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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 | $70,547 | $95,453-26.1% | $112,040-37.0% | $82,448-14.4% |
| Participation rate | 45.5% | 72.8%-27.3pp | 76.5%-31.0pp | 68.1%-22.6pp |
| Annual return | 14.89% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.7pp |
| Employer contribution / active EE | $1,387 | $2,318-40.2% | $2,954-53.1% | $2,551-45.6% |
| Participant deferral / active EE | $3,778 | $4,224-10.6% | $5,098-25.9% | $4,139-8.7% |
| Admin fee / account holder | $1,428 | $9,013-84.2% | $12,098-88.2% | $7,234-80.3% |