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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 | $107,504 | $100,784+6.7% | $191,597-43.9% | $82,637+30.1% |
| Participation rate | 44.0% | 70.5%-26.5pp | 76.9%-32.9pp | 68.1%-24.1pp |
| Annual return | 15.59% | 18.13%-2.5pp | 27.07%-11.5pp | 53.51%-37.9pp |
| Employer contribution / active EE | $1,340 | $3,102-56.8% | $5,025-73.3% | $2,552-47.5% |
| Participant deferral / active EE | $2,044 | $4,937-58.6% | $6,850-70.2% | $4,126-50.5% |
| Admin fee / account holder | $27,007 | $10,062+168.4% | $22,799+18.5% | $7,339+268.0% |