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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 | $90,041 | $77,817+15.7% | $123,553-27.1% | $64,173+40.3% |
| Participation rate | 44.2% | 74.7%-30.5pp | 82.3%-38.1pp | 69.6%-25.4pp |
| Annual return | 0.69% | 12.49%-11.8pp | 119.21%-118.5pp | 7.63%-6.9pp |
| Employer contribution / active EE | $1,775 | $3,014-41.1% | $4,628-61.6% | $2,381-25.4% |
| Participant deferral / active EE | $3,960 | $5,240-24.4% | $6,426-38.4% | $3,470+14.1% |
| Admin fee / account holder | $3,023 | $5,519-45.2% | $9,284-67.4% | $4,887-38.1% |