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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 | $88,063 | $81,233+8.4% | $155,567-43.4% | $80,874+8.9% |
| Participation rate | 54.3% | 66.2%-11.9pp | 78.2%-23.9pp | 67.6%-13.4pp |
| Annual return | 15.05% | 33.33%-18.3pp | 64.74%-49.7pp | 35.62%-20.6pp |
| Employer contribution / active EE | $1,140 | $3,101-63.2% | $4,674-75.6% | $2,756-58.6% |
| Participant deferral / active EE | $2,106 | $3,452-39.0% | $5,628-62.6% | $4,297-51.0% |
| Admin fee / account holder | $633 | $7,998-92.1% | $15,916-96.0% | $6,935-90.9% |