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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,448 | $73,978-7.5% | $96,515-29.1% | $75,173-8.9% |
| Participation rate | 27.9% | 66.4%-38.5pp | 74.3%-46.4pp | 67.2%-39.3pp |
| Annual return | 18.91% | 26.72%-7.8pp | 35.73%-16.8pp | 160.72%-141.8pp |
| Employer contribution / active EE | $1,231 | $2,931-58.0% | $3,740-67.1% | $2,671-53.9% |
| Participant deferral / active EE | $1,800 | $3,660-50.8% | $4,880-63.1% | $4,126-56.4% |
| Admin fee / account holder | $2,703 | $5,219-48.2% | $6,735-59.9% | $5,651-52.2% |