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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 | $89,490 | $81,276+10.1% | $155,574-42.5% | $80,925+10.6% |
| Participation rate | 46.7% | 66.2%-19.6pp | 78.2%-31.5pp | 67.7%-21.0pp |
| Annual return | 12.79% | 33.36%-20.6pp | 64.87%-52.1pp | 35.65%-22.9pp |
| Employer contribution / active EE | $612 | $3,103-80.3% | $4,676-86.9% | $2,756-77.8% |
| Participant deferral / active EE | $1,985 | $3,453-42.5% | $5,629-64.7% | $4,299-53.8% |
| Admin fee / account holder | $8,852 | $7,993+10.7% | $15,914-44.4% | $6,940+27.6% |