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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 | $90,331 | $101,795-11.3% | $165,100-45.3% | $80,959+11.6% |
| Participation rate | 52.1% | 71.8%-19.7pp | 78.6%-26.5pp | 67.7%-15.6pp |
| Annual return | 12.58% | 16.73%-4.2pp | 70.21%-57.6pp | 35.67%-23.1pp |
| Employer contribution / active EE | $971 | $2,954-67.1% | $4,348-77.7% | $2,757-64.8% |
| Participant deferral / active EE | $3,497 | $4,476-21.9% | $6,035-42.1% | $4,300-18.7% |
| Admin fee / account holder | $8,236 | $8,221+0.2% | $12,696-35.1% | $6,925+18.9% |