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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 | $81,069 | $93,064-12.9% | $74,577+8.7% | $273,972-70.4% |
| Participation rate | 20.0% | 74.9%-54.9pp | 68.1%-48.1pp | 83.0%-63.0pp |
| Annual return | 4.26% | 26.18%-21.9pp | 20.47%-16.2pp | 41.46%-37.2pp |
| Employer contribution / active EE | $1,359 | $3,160-57.0% | $2,525-46.2% | $4,869-72.1% |
| Participant deferral / active EE | $2,808 | $4,160-32.5% | $3,458-18.8% | $5,287-46.9% |
| Admin fee / account holder | $467 | $5,273-91.1% | $4,138-88.7% | $10,133-95.4% |