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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 | $99,505 | $83,898+18.6% | $133,346-25.4% | $94,015+5.8% |
| Participation rate | 45.9% | 63.4%-17.4pp | 72.8%-26.9pp | 70.8%-24.9pp |
| Annual return | 25.09% | 16.00%+9.1pp | 36.85%-11.8pp | 17.84%+7.2pp |
| Employer contribution / active EE | $691 | $1,821-62.1% | $2,853-75.8% | $2,790-75.2% |
| Participant deferral / active EE | $2,397 | $3,245-26.1% | $4,332-44.7% | $4,249-43.6% |
| Admin fee / account holder | $1,610 | $7,809-79.4% | $14,264-88.7% | $8,951-82.0% |