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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 | $81,276+0.1% | $155,574-47.7% | $80,925+0.5% |
| Participation rate | 27.9% | 66.2%-38.3pp | 78.2%-50.3pp | 67.7%-39.8pp |
| Annual return | 13.04% | 33.36%-20.3pp | 64.87%-51.8pp | 35.65%-22.6pp |
| Employer contribution / active EE | $930 | $3,103-70.0% | $4,676-80.1% | $2,756-66.3% |
| Participant deferral / active EE | $2,835 | $3,453-17.9% | $5,629-49.6% | $4,299-34.1% |
| Admin fee / account holder | $1,412 | $7,993-82.3% | $15,914-91.1% | $6,940-79.7% |