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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 | $94,976 | $104,098-8.8% | $140,514-32.4% | $94,015+1.0% |
| Participation rate | 54.9% | 73.7%-18.8pp | 77.8%-22.9pp | 70.8%-15.9pp |
| Annual return | 14.09% | 15.14%-1.0pp | 14.36%-0.3pp | 17.84%-3.8pp |
| Employer contribution / active EE | $1,540 | $2,388-35.5% | $3,378-54.4% | $2,790-44.8% |
| Participant deferral / active EE | $3,491 | $4,033-13.4% | $4,919-29.0% | $4,249-17.8% |
| Admin fee / account holder | $7,605 | $10,439-27.1% | $13,697-44.5% | $8,951-15.0% |