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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 | $106,529 | $101,778+4.7% | $164,975-35.4% | $80,925+31.6% |
| Participation rate | 49.4% | 71.8%-22.4pp | 78.6%-29.2pp | 67.7%-18.3pp |
| Annual return | 10.91% | 16.73%-5.8pp | 70.12%-59.2pp | 35.65%-24.7pp |
| Employer contribution / active EE | $1,427 | $2,954-51.7% | $4,343-67.1% | $2,756-48.2% |
| Participant deferral / active EE | $4,335 | $4,477-3.2% | $6,033-28.2% | $4,299+0.8% |
| Admin fee / account holder | $3,105 | $8,221-62.2% | $12,688-75.5% | $6,940-55.3% |