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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 | $78,267 | $68,880+13.6% | $120,580-35.1% | $80,959-3.3% |
| Participation rate | 46.8% | 61.7%-14.9pp | 72.0%-25.1pp | 67.7%-20.9pp |
| Annual return | 13.19% | 23.68%-10.5pp | 107.48%-94.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,384 | $2,066-33.0% | $3,469-60.1% | $2,757-49.8% |
| Participant deferral / active EE | $1,982 | $3,191-37.9% | $4,995-60.3% | $4,300-53.9% |
| Admin fee / account holder | $3,871 | $5,785-33.1% | $9,418-58.9% | $6,925-44.1% |