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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 | $109,551 | $77,962+40.5% | $178,540-38.6% | $80,935+35.4% |
| Participation rate | 38.1% | 65.7%-27.6pp | 77.1%-39.0pp | 67.7%-29.6pp |
| Annual return | 15.23% | 18.10%-2.9pp | 27.15%-11.9pp | 35.66%-20.4pp |
| Employer contribution / active EE | $1,568 | $2,280-31.2% | $3,953-60.3% | $2,757-43.1% |
| Participant deferral / active EE | $3,423 | $4,404-22.3% | $6,281-45.5% | $4,299-20.4% |
| Admin fee / account holder | $717 | $7,156-90.0% | $10,424-93.1% | $6,924-89.6% |