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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 | $79,231 | $74,535+6.3% | $100,712-21.3% | $82,637-4.1% |
| Participation rate | 50.7% | 61.2%-10.5pp | 69.3%-18.6pp | 68.1%-17.4pp |
| Annual return | 27.25% | 18.92%+8.3pp | 33.27%-6.0pp | 53.51%-26.3pp |
| Employer contribution / active EE | $1,075 | $1,503-28.5% | $2,313-53.5% | $2,552-57.9% |
| Participant deferral / active EE | $2,273 | $3,074-26.0% | $4,085-44.4% | $4,126-44.9% |
| Admin fee / account holder | $2,314 | $6,576-64.8% | $9,256-75.0% | $7,339-68.5% |