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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 | $82,966 | $85,515-3.0% | $112,040-25.9% | $67,986+22.0% |
| Participation rate | 41.7% | 68.2%-26.5pp | 76.5%-34.8pp | 57.2%-15.5pp |
| Annual return | 21.06% | 29.68%-8.6pp | 24.52%-3.5pp | 31.67%-10.6pp |
| Employer contribution / active EE | $1,633 | $2,191-25.5% | $2,954-44.7% | $2,019-19.1% |
| Participant deferral / active EE | $3,276 | $4,014-18.4% | $5,098-35.7% | $3,358-2.4% |
| Admin fee / account holder | $4,290 | $3,774+13.7% | $12,098-64.5% | $3,203+33.9% |