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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 | $84,450 | $58,851+43.5% | $115,170-26.7% | $72,975+15.7% |
| Participation rate | 28.6% | 65.5%-37.0pp | 75.9%-47.3pp | 69.5%-40.9pp |
| Annual return | 21.29% | 23.16%-1.9pp | 35.60%-14.3pp | 81.01%-59.7pp |
| Employer contribution / active EE | $808 | $1,798-55.0% | $3,179-74.6% | $2,440-66.9% |
| Participant deferral / active EE | $1,400 | $2,643-47.0% | $4,169-66.4% | $3,608-61.2% |
| Admin fee / account holder | $1,076 | $6,370-83.1% | $7,089-84.8% | $5,124-79.0% |