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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 | $81,233+10.2% | $155,567-42.5% | $80,874+10.7% |
| Participation rate | 46.7% | 66.2%-19.6pp | 78.2%-31.5pp | 67.6%-21.0pp |
| Annual return | 12.79% | 33.33%-20.5pp | 64.74%-51.9pp | 35.62%-22.8pp |
| Employer contribution / active EE | $612 | $3,101-80.3% | $4,674-86.9% | $2,756-77.8% |
| Participant deferral / active EE | $1,985 | $3,452-42.5% | $5,628-64.7% | $4,297-53.8% |
| Admin fee / account holder | $8,852 | $7,998+10.7% | $15,916-44.4% | $6,935+27.6% |