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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 | $77,817 | $81,334-4.3% | $113,397-31.4% | $64,097+21.4% |
| Participation rate | 50.4% | 65.6%-15.2pp | 76.5%-26.1pp | 55.2%-4.8pp |
| Annual return | 16.40% | 32.50%-16.1pp | 23.20%-6.8pp | 34.64%-18.2pp |
| Employer contribution / active EE | $1,474 | $2,077-29.0% | $2,977-50.5% | $1,891-22.1% |
| Participant deferral / active EE | $4,014 | $3,795+5.8% | $5,076-20.9% | $3,080+30.3% |
| Admin fee / account holder | $12,775 | $4,208+203.6% | $11,957+6.8% | $3,454+269.8% |