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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 | $81,097 | $93,617-13.4% | $135,982-40.4% | $75,177+7.9% |
| Participation rate | 61.0% | 75.2%-14.2pp | 81.9%-20.9pp | 67.2%-6.2pp |
| Annual return | 18.93% | 30.89%-12.0pp | 68.32%-49.4pp | 160.75%-141.8pp |
| Employer contribution / active EE | $1,251 | $3,538-64.6% | $4,859-74.3% | $2,671-53.2% |
| Participant deferral / active EE | $4,497 | $6,406-29.8% | $7,760-42.0% | $4,126+9.0% |
| Admin fee / account holder | $478 | $6,980-93.2% | $10,767-95.6% | $5,651-91.5% |