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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 | $87,893 | $77,896+12.8% | $134,172-34.5% | $82,448+6.6% |
| Participation rate | 65.2% | 62.8%+2.4pp | 72.5%-7.2pp | 68.1%-2.9pp |
| Annual return | 17.66% | 18.21%-0.6pp | 25.30%-7.6pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,709 | $2,159-20.9% | $3,420-50.0% | $2,551-33.0% |
| Participant deferral / active EE | $4,394 | $3,162+39.0% | $4,690-6.3% | $4,139+6.2% |
| Admin fee / account holder | $3,165 | $6,336-50.0% | $12,016-73.7% | $7,234-56.3% |