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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 | $88,321 | $77,814+13.5% | $158,223-44.2% | $86,983+1.5% |
| Participation rate | 40.8% | 68.4%-27.6pp | 79.2%-38.4pp | 69.5%-28.7pp |
| Annual return | 18.23% | 30.54%-12.3pp | 52.09%-33.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $1,443 | $2,592-44.3% | $4,109-64.9% | $2,584-44.2% |
| Participant deferral / active EE | $3,611 | $3,270+10.4% | $5,467-34.0% | $4,194-13.9% |
| Admin fee / account holder | $1,222 | $5,879-79.2% | $16,047-92.4% | $7,856-84.4% |