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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 | $91,903 | $57,575+59.6% | $124,067-25.9% | $86,983+5.7% |
| Participation rate | 47.7% | 62.3%-14.5pp | 66.9%-19.2pp | 69.5%-21.8pp |
| Annual return | 15.46% | 19.65%-4.2pp | 31.06%-15.6pp | 25.83%-10.4pp |
| Employer contribution / active EE | $1,304 | $1,615-19.3% | $2,166-39.8% | $2,584-49.6% |
| Participant deferral / active EE | $3,319 | $2,623+26.5% | $3,463-4.2% | $4,194-20.9% |
| Admin fee / account holder | $8,415 | $8,506-1.1% | $7,351+14.5% | $7,856+7.1% |