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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 | $68,383 | $85,515-20.0% | $112,040-39.0% | $67,986+0.6% |
| Participation rate | 39.8% | 68.2%-28.4pp | 76.5%-36.6pp | 57.2%-17.4pp |
| Annual return | 14.87% | 29.68%-14.8pp | 24.52%-9.6pp | 31.67%-16.8pp |
| Employer contribution / active EE | $1,627 | $2,191-25.7% | $2,954-44.9% | $2,019-19.4% |
| Participant deferral / active EE | $2,828 | $4,014-29.5% | $5,098-44.5% | $3,358-15.8% |
| Admin fee / account holder | $8,807 | $3,774+133.4% | $12,098-27.2% | $3,203+175.0% |