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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 | $97,919 | $98,652-0.7% | $142,942-31.5% | $82,448+18.8% |
| Participation rate | 32.7% | 72.8%-40.1pp | 76.8%-44.1pp | 68.1%-35.4pp |
| Annual return | 17.59% | 22.65%-5.1pp | 113.70%-96.1pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,037 | $3,211-67.7% | $4,139-74.9% | $2,551-59.3% |
| Participant deferral / active EE | $3,198 | $5,580-42.7% | $7,128-55.1% | $4,139-22.7% |
| Admin fee / account holder | $1,245 | $8,078-84.6% | $12,475-90.0% | $7,234-82.8% |