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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 | $81,655 | $63,773+28.0% | $81,286+0.5% | $80,925+0.9% |
| Participation rate | 43.4% | 63.9%-20.5pp | 69.5%-26.1pp | 67.7%-24.3pp |
| Annual return | 14.38% | 16.37%-2.0pp | 24.80%-10.4pp | 35.65%-21.3pp |
| Employer contribution / active EE | $670 | $1,979-66.1% | $2,463-72.8% | $2,756-75.7% |
| Participant deferral / active EE | $2,818 | $3,093-8.9% | $3,883-27.4% | $4,299-34.4% |
| Admin fee / account holder | $1,419 | $5,682-75.0% | $5,764-75.4% | $6,940-79.6% |