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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 | $128,089 | $123,478+3.7% | $216,567-40.9% | $94,015+36.2% |
| Participation rate | 20.6% | 75.1%-54.5pp | 81.6%-61.1pp | 70.8%-50.2pp |
| Annual return | 18.06% | 23.61%-5.6pp | 12.94%+5.1pp | 17.84%+0.2pp |
| Employer contribution / active EE | $829 | $3,136-73.6% | $5,216-84.1% | $2,790-70.3% |
| Participant deferral / active EE | $2,361 | $4,556-48.2% | $6,191-61.9% | $4,249-44.4% |
| Admin fee / account holder | $1,413 | $12,753-88.9% | $21,981-93.6% | $8,951-84.2% |