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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 | $70,012 | $71,197-1.7% | $93,669-25.3% | $80,925-13.5% |
| Participation rate | 48.8% | 60.4%-11.6pp | 68.7%-19.9pp | 67.7%-18.8pp |
| Annual return | 11.47% | 11.27%+0.2pp | 133.59%-122.1pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,069 | $1,565-31.7% | $2,424-55.9% | $2,756-61.2% |
| Participant deferral / active EE | $2,497 | $4,036-38.1% | $4,416-43.5% | $4,299-41.9% |
| Admin fee / account holder | $2,577 | $6,959-63.0% | $8,291-68.9% | $6,940-62.9% |