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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 | $95,453-0.5% | $112,040-15.2% | $82,448+15.2% |
| Participation rate | 54.9% | 72.8%-17.8pp | 76.5%-21.6pp | 68.1%-13.1pp |
| Annual return | 14.09% | 23.92%-9.8pp | 24.52%-10.4pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,540 | $2,318-33.6% | $2,954-47.9% | $2,551-39.6% |
| Participant deferral / active EE | $3,491 | $4,224-17.3% | $5,098-31.5% | $4,139-15.7% |
| Admin fee / account holder | $7,605 | $9,013-15.6% | $12,098-37.1% | $7,234+5.1% |