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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 | $76,346 | $72,607+5.2% | $90,259-15.4% | $87,485-12.7% |
| Participation rate | 40.6% | 64.8%-24.2pp | 70.7%-30.1pp | 68.9%-28.3pp |
| Annual return | 16.21% | 18.59%-2.4pp | 18.88%-2.7pp | 26.06%-9.9pp |
| Employer contribution / active EE | $1,339 | $1,919-30.2% | $2,291-41.6% | $2,596-48.4% |
| Participant deferral / active EE | $3,389 | $3,055+11.0% | $3,827-11.4% | $4,274-20.7% |
| Admin fee / account holder | $3,545 | $5,947-40.4% | $7,267-51.2% | $7,775-54.4% |