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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 | $95,004 | $95,453-0.5% | $112,040-15.2% | $82,448+15.2% |
| Participation rate | 61.5% | 72.8%-11.2pp | 76.5%-15.0pp | 68.1%-6.5pp |
| Annual return | 17.03% | 23.92%-6.9pp | 24.52%-7.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,580 | $2,318-31.9% | $2,954-46.5% | $2,551-38.1% |
| Participant deferral / active EE | $2,835 | $4,224-32.9% | $5,098-44.4% | $4,139-31.5% |
| Admin fee / account holder | $8,800 | $9,013-2.4% | $12,098-27.3% | $7,234+21.6% |