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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 | $70,619 | $99,345-28.9% | $84,753-16.7% | $273,972-74.2% |
| Participation rate | 17.4% | 80.7%-63.3pp | 76.6%-59.2pp | 83.0%-65.6pp |
| Annual return | 13.40% | 22.93%-9.5pp | 22.78%-9.4pp | 41.46%-28.1pp |
| Employer contribution / active EE | $1,461 | $4,214-65.3% | $3,574-59.1% | $4,869-70.0% |
| Participant deferral / active EE | $3,233 | $4,270-24.3% | $3,712-12.9% | $5,287-38.9% |
| Admin fee / account holder | $1,458 | $6,645-78.1% | $5,333-72.7% | $10,133-85.6% |