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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 | $106,151 | $108,825-2.5% | $156,181-32.0% | $82,448+28.7% |
| Participation rate | 51.4% | 72.4%-20.9pp | 78.8%-27.4pp | 68.1%-16.6pp |
| Annual return | 17.13% | 20.59%-3.5pp | 64.87%-47.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,028 | $2,870-64.2% | $4,294-76.1% | $2,551-59.7% |
| Participant deferral / active EE | $3,654 | $4,577-20.2% | $6,132-40.4% | $4,139-11.7% |
| Admin fee / account holder | $9,300 | $9,341-0.4% | $14,586-36.2% | $7,234+28.6% |