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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 | $67,409 | $86,940-22.5% | $102,434-34.2% | $80,935-16.7% |
| Participation rate | 46.3% | 72.4%-26.0pp | 76.5%-30.2pp | 67.7%-21.3pp |
| Annual return | 16.27% | 18.89%-2.6pp | 29.46%-13.2pp | 35.66%-19.4pp |
| Employer contribution / active EE | $1,293 | $2,370-45.4% | $3,023-57.2% | $2,757-53.1% |
| Participant deferral / active EE | $3,674 | $4,121-10.9% | $5,055-27.3% | $4,299-14.6% |
| Admin fee / account holder | $2,551 | $8,047-68.3% | $9,462-73.0% | $6,924-63.2% |