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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 | $67,198 | $99,345-32.4% | $84,753-20.7% | $273,972-75.5% |
| Participation rate | 57.1% | 80.7%-23.6pp | 76.6%-19.5pp | 83.0%-25.9pp |
| Annual return | 6.81% | 22.93%-16.1pp | 22.78%-16.0pp | 41.46%-34.6pp |
| Employer contribution / active EE | $1,662 | $4,214-60.5% | $3,574-53.5% | $4,869-65.9% |
| Participant deferral / active EE | $4,156 | $4,270-2.7% | $3,712+12.0% | $5,287-21.4% |
| Admin fee / account holder | $2,628 | $6,645-60.5% | $5,333-50.7% | $10,133-74.1% |