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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 | $95,404-26.1% | $113,397-37.8% | $82,637-14.6% |
| Participation rate | 45.5% | 72.8%-27.4pp | 76.5%-31.0pp | 68.1%-22.6pp |
| Annual return | 14.89% | 19.08%-4.2pp | 23.20%-8.3pp | 53.51%-38.6pp |
| Employer contribution / active EE | $1,387 | $2,307-39.9% | $2,977-53.4% | $2,552-45.7% |
| Participant deferral / active EE | $3,778 | $4,220-10.5% | $5,076-25.6% | $4,126-8.4% |
| Admin fee / account holder | $1,428 | $9,168-84.4% | $11,957-88.1% | $7,339-80.5% |