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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 | $86,940+2.5% | $102,434-13.0% | $80,935+10.1% |
| Participation rate | 53.6% | 72.4%-18.8pp | 76.5%-22.9pp | 67.7%-14.1pp |
| Annual return | 11.96% | 18.89%-6.9pp | 29.46%-17.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $1,582 | $2,370-33.2% | $3,023-47.7% | $2,757-42.6% |
| Participant deferral / active EE | $3,197 | $4,121-22.4% | $5,055-36.7% | $4,299-25.6% |
| Admin fee / account holder | $11,128 | $8,047+38.3% | $9,462+17.6% | $6,924+60.7% |