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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 | $84,058 | $43,075+95.1% | $74,577+12.7% | $62,881+33.7% |
| Participation rate | 29.6% | 58.1%-28.4pp | 68.1%-38.5pp | 69.3%-39.7pp |
| Annual return | 6.06% | 17.50%-11.4pp | 20.47%-14.4pp | 20.14%-14.1pp |
| Employer contribution / active EE | $528 | $1,498-64.8% | $2,525-79.1% | $2,281-76.9% |
| Participant deferral / active EE | $2,378 | $2,389-0.5% | $3,458-31.2% | $3,203-25.8% |
| Admin fee / account holder | $680 | $2,840-76.1% | $4,138-83.6% | $4,296-84.2% |