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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 | $92,761 | $72,273+28.3% | $101,275-8.4% | $79,856+16.2% |
| Participation rate | 48.5% | 68.5%-20.0pp | 75.8%-27.3pp | 69.6%-21.2pp |
| Annual return | 12.94% | 22.30%-9.4pp | 46.48%-33.5pp | 31.71%-18.8pp |
| Employer contribution / active EE | $1,401 | $2,691-47.9% | $3,660-61.7% | $2,471-43.3% |
| Participant deferral / active EE | $4,313 | $3,282+31.4% | $4,371-1.3% | $3,741+15.3% |
| Admin fee / account holder | $1,187 | $4,401-73.0% | $5,948-80.0% | $5,306-77.6% |