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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 | $85,893 | $87,037-1.3% | $106,201-19.1% | $80,874+6.2% |
| Participation rate | 43.6% | 70.4%-26.9pp | 75.3%-31.7pp | 67.6%-24.1pp |
| Annual return | 23.47% | 17.05%+6.4pp | 116.26%-92.8pp | 35.62%-12.2pp |
| Employer contribution / active EE | $1,741 | $2,396-27.3% | $3,170-45.1% | $2,756-36.8% |
| Participant deferral / active EE | $3,488 | $3,986-12.5% | $5,012-30.4% | $4,297-18.8% |
| Admin fee / account holder | $9,084 | $8,434+7.7% | $11,039-17.7% | $6,935+31.0% |