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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 | $89,343 | $95,453-6.4% | $112,040-20.3% | $82,448+8.4% |
| Participation rate | 29.4% | 72.8%-43.3pp | 76.5%-47.1pp | 68.1%-38.7pp |
| Annual return | 13.61% | 23.92%-10.3pp | 24.52%-10.9pp | 41.64%-28.0pp |
| Employer contribution / active EE | $977 | $2,318-57.8% | $2,954-66.9% | $2,551-61.7% |
| Participant deferral / active EE | $3,036 | $4,224-28.1% | $5,098-40.5% | $4,139-26.7% |
| Admin fee / account holder | $2,068 | $9,013-77.1% | $12,098-82.9% | $7,234-71.4% |