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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 | $63,976 | $103,949-38.5% | $69,182-7.5% | $273,972-76.6% |
| Participation rate | 23.8% | 67.4%-43.6pp | 55.1%-31.3pp | 83.0%-59.2pp |
| Annual return | 6.49% | 35.28%-28.8pp | -21.93%+28.4pp | 41.46%-35.0pp |
| Employer contribution / active EE | $539 | $1,783-69.8% | $1,206-55.3% | $4,869-88.9% |
| Participant deferral / active EE | $2,719 | $2,716+0.1% | $1,897+43.3% | $5,287-48.6% |
| Admin fee / account holder | $818 | $3,671-77.7% | $2,697-69.7% | $10,133-91.9% |