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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 | $100,194-5.2% | $122,979-22.8% | $86,983+9.2% |
| Participation rate | 54.9% | 73.0%-18.0pp | 77.2%-22.3pp | 69.5%-14.6pp |
| Annual return | 14.09% | 16.47%-2.4pp | 20.12%-6.0pp | 25.83%-11.7pp |
| Employer contribution / active EE | $1,540 | $2,326-33.8% | $3,062-49.7% | $2,584-40.4% |
| Participant deferral / active EE | $3,491 | $4,133-15.5% | $5,003-30.2% | $4,194-16.7% |
| Admin fee / account holder | $7,605 | $10,148-25.1% | $12,864-40.9% | $7,856-3.2% |