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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 | $82,449 | $54,541+51.2% | $78,778+4.7% | $70,126+17.6% |
| Participation rate | 42.9% | 60.8%-17.9pp | 69.2%-26.3pp | 69.5%-26.7pp |
| Annual return | 15.83% | 21.07%-5.2pp | 35.62%-19.8pp | 73.15%-57.3pp |
| Employer contribution / active EE | $1,171 | $1,089+7.6% | $1,986-41.0% | $2,343-50.0% |
| Participant deferral / active EE | $2,115 | $2,210-4.3% | $2,958-28.5% | $3,332-36.5% |
| Admin fee / account holder | $2,856 | $3,709-23.0% | $5,134-44.4% | $4,645-38.5% |