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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 | $101,343 | $86,949+16.6% | $102,460-1.1% | $80,959+25.2% |
| Participation rate | 42.9% | 72.4%-29.5pp | 76.5%-33.7pp | 67.7%-24.8pp |
| Annual return | 12.34% | 18.89%-6.6pp | 29.47%-17.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,314 | $2,370-44.6% | $3,025-56.6% | $2,757-52.4% |
| Participant deferral / active EE | $3,726 | $4,121-9.6% | $5,056-26.3% | $4,300-13.4% |
| Admin fee / account holder | $458 | $8,048-94.3% | $9,460-95.2% | $6,925-93.4% |