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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 | $81,342 | $81,233+0.1% | $155,567-47.7% | $80,874+0.6% |
| Participation rate | 27.9% | 66.2%-38.3pp | 78.2%-50.3pp | 67.6%-39.7pp |
| Annual return | 13.04% | 33.33%-20.3pp | 64.74%-51.7pp | 35.62%-22.6pp |
| Employer contribution / active EE | $930 | $3,101-70.0% | $4,674-80.1% | $2,756-66.3% |
| Participant deferral / active EE | $2,835 | $3,452-17.9% | $5,628-49.6% | $4,297-34.0% |
| Admin fee / account holder | $1,412 | $7,998-82.3% | $15,916-91.1% | $6,935-79.6% |