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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 | $120,445 | $110,137+9.4% | $161,149-25.3% | $82,637+45.8% |
| Participation rate | 64.5% | 72.4%-7.8pp | 78.8%-14.3pp | 68.1%-3.5pp |
| Annual return | 16.51% | 20.69%-4.2pp | 21.16%-4.6pp | 53.51%-37.0pp |
| Employer contribution / active EE | $1,415 | $2,856-50.5% | $4,360-67.6% | $2,552-44.6% |
| Participant deferral / active EE | $4,086 | $4,575-10.7% | $6,153-33.6% | $4,126-1.0% |
| Admin fee / account holder | $25,962 | $9,467+174.3% | $15,194+70.9% | $7,339+253.8% |