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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 | $87,319 | $69,444+25.7% | $92,985-6.1% | $87,485-0.2% |
| Participation rate | 39.2% | 63.3%-24.1pp | 69.5%-30.3pp | 68.9%-29.7pp |
| Annual return | 15.91% | 23.85%-7.9pp | 27.99%-12.1pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,839 | $1,917-4.1% | $2,662-30.9% | $2,596-29.2% |
| Participant deferral / active EE | $3,967 | $3,364+17.9% | $4,377-9.4% | $4,274-7.2% |
| Admin fee / account holder | $13,236 | $6,137+115.7% | $9,463+39.9% | $7,775+70.2% |