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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 | $65,285 | $64,909+0.6% | $82,312-20.7% | $62,293+4.8% |
| Participation rate | 46.2% | 74.9%-28.7pp | 76.9%-30.7pp | 69.5%-23.4pp |
| Annual return | 13.46% | 21.18%-7.7pp | 25.88%-12.4pp | 28.90%-15.4pp |
| Employer contribution / active EE | $1,227 | $1,676-26.8% | $2,428-49.5% | $2,042-39.9% |
| Participant deferral / active EE | $2,284 | $3,103-26.4% | $3,706-38.4% | $3,169-27.9% |
| Admin fee / account holder | $1,607 | $440+265.6% | $5,608-71.3% | $479+235.3% |