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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 | $66,147 | $72,492-8.8% | $87,104-24.1% | $72,975-9.4% |
| Participation rate | 27.9% | 72.8%-44.9pp | 76.9%-49.0pp | 69.5%-41.6pp |
| Annual return | 18.05% | 24.46%-6.4pp | 28.19%-10.1pp | 81.01%-63.0pp |
| Employer contribution / active EE | $705 | $1,894-62.8% | $2,521-72.1% | $2,440-71.1% |
| Participant deferral / active EE | $1,643 | $3,270-49.8% | $4,048-59.4% | $3,608-54.5% |
| Admin fee / account holder | $343 | $5,055-93.2% | $7,491-95.4% | $5,124-93.3% |