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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 | $126,644 | $63,845+98.4% | $81,370+55.6% | $80,959+56.4% |
| Participation rate | 22.9% | 63.9%-41.0pp | 69.5%-46.6pp | 67.7%-44.8pp |
| Annual return | 13.55% | 16.37%-2.8pp | 24.85%-11.3pp | 35.67%-22.1pp |
| Employer contribution / active EE | $782 | $1,980-60.5% | $2,464-68.3% | $2,757-71.6% |
| Participant deferral / active EE | $1,410 | $3,093-54.4% | $3,885-63.7% | $4,300-67.2% |
| Admin fee / account holder | $6,406 | $5,688+12.6% | $5,749+11.4% | $6,925-7.5% |