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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 | $89,076 | $86,949+2.4% | $102,460-13.1% | $80,959+10.0% |
| Participation rate | 53.6% | 72.4%-18.8pp | 76.5%-22.9pp | 67.7%-14.1pp |
| Annual return | 11.96% | 18.89%-6.9pp | 29.47%-17.5pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,582 | $2,370-33.2% | $3,025-47.7% | $2,757-42.6% |
| Participant deferral / active EE | $3,197 | $4,121-22.4% | $5,056-36.8% | $4,300-25.6% |
| Admin fee / account holder | $11,128 | $8,048+38.3% | $9,460+17.6% | $6,925+60.7% |