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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 | $80,448 | $81,487-1.3% | $102,412-21.4% | $80,935-0.6% |
| Participation rate | 39.5% | 66.8%-27.4pp | 74.5%-35.0pp | 67.7%-28.2pp |
| Annual return | 21.41% | 25.60%-4.2pp | 24.94%-3.5pp | 35.66%-14.3pp |
| Employer contribution / active EE | $1,708 | $3,103-44.9% | $3,870-55.9% | $2,757-38.0% |
| Participant deferral / active EE | $5,141 | $3,871+32.8% | $5,060+1.6% | $4,299+19.6% |
| Admin fee / account holder | $2,277 | $6,717-66.1% | $8,388-72.8% | $6,924-67.1% |