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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 | $79,377 | $81,457-2.6% | $103,378-23.2% | $80,911-1.9% |
| Participation rate | 28.0% | 66.8%-38.8pp | 74.5%-46.5pp | 67.6%-39.6pp |
| Annual return | 14.26% | 25.58%-11.3pp | 24.91%-10.6pp | 35.63%-21.4pp |
| Employer contribution / active EE | $1,197 | $3,107-61.5% | $3,870-69.1% | $2,756-56.6% |
| Participant deferral / active EE | $1,780 | $3,871-54.0% | $5,058-64.8% | $4,297-58.6% |
| Admin fee / account holder | $3,788 | $6,717-43.6% | $8,401-54.9% | $6,935-45.4% |