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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 | $95,904-18.2% | $173,730-54.9% | $64,340+21.9% |
| Participation rate | 48.2% | 60.6%-12.4pp | 79.6%-31.4pp | 55.2%-7.1pp |
| Annual return | 16.69% | 17.47%-0.8pp | 19.96%-3.3pp | 24.14%-7.5pp |
| Employer contribution / active EE | $1,253 | $2,323-46.1% | $4,577-72.6% | $1,862-32.7% |
| Participant deferral / active EE | $3,989 | $3,488+14.4% | $6,326-36.9% | $2,980+33.8% |
| Admin fee / account holder | $8,181 | $5,089+60.8% | $17,523-53.3% | $3,703+121.0% |