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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 | $95,090 | $101,798-6.6% | $165,071-42.4% | $80,935+17.5% |
| Participation rate | 45.2% | 71.8%-26.7pp | 78.6%-33.5pp | 67.7%-22.5pp |
| Annual return | 11.74% | 16.73%-5.0pp | 70.17%-58.4pp | 35.66%-23.9pp |
| Employer contribution / active EE | $2,120 | $2,954-28.2% | $4,347-51.2% | $2,757-23.1% |
| Participant deferral / active EE | $3,900 | $4,476-12.9% | $6,035-35.4% | $4,299-9.3% |
| Admin fee / account holder | $10,692 | $8,221+30.1% | $12,695-15.8% | $6,924+54.4% |