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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 | $86,905 | $76,407+13.7% | $150,298-42.2% | $82,448+5.4% |
| Participation rate | 58.5% | 66.4%-7.9pp | 77.8%-19.2pp | 68.1%-9.5pp |
| Annual return | 16.30% | 39.99%-23.7pp | 62.79%-46.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,968 | $2,614-24.7% | $4,154-52.6% | $2,551-22.9% |
| Participant deferral / active EE | $3,880 | $3,214+20.7% | $5,453-28.8% | $4,139-6.3% |
| Admin fee / account holder | $411 | $6,352-93.5% | $14,116-97.1% | $7,234-94.3% |