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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 | $93,442 | $77,896+20.0% | $134,172-30.4% | $82,448+13.3% |
| Participation rate | 39.2% | 62.8%-23.5pp | 72.5%-33.2pp | 68.1%-28.8pp |
| Annual return | 15.56% | 18.21%-2.7pp | 25.30%-9.7pp | 41.64%-26.1pp |
| Employer contribution / active EE | $864 | $2,159-60.0% | $3,420-74.7% | $2,551-66.1% |
| Participant deferral / active EE | $1,782 | $3,162-43.6% | $4,690-62.0% | $4,139-57.0% |
| Admin fee / account holder | $8,299 | $6,336+31.0% | $12,016-30.9% | $7,234+14.7% |