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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 | $78,424 | $91,760-14.5% | $156,181-49.8% | $67,986+15.4% |
| Participation rate | 48.2% | 65.0%-16.8pp | 78.8%-30.6pp | 57.2%-9.0pp |
| Annual return | 16.69% | 18.14%-1.5pp | 64.87%-48.2pp | 31.67%-15.0pp |
| Employer contribution / active EE | $1,253 | $2,419-48.2% | $4,294-70.8% | $2,019-37.9% |
| Participant deferral / active EE | $3,989 | $3,960+0.7% | $6,132-35.0% | $3,358+18.8% |
| Admin fee / account holder | $8,181 | $3,949+107.2% | $14,586-43.9% | $3,203+155.4% |