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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 | $98,017 | $78,027+25.6% | $178,528-45.1% | $80,925+21.1% |
| Participation rate | 46.5% | 65.7%-19.2pp | 77.1%-30.6pp | 67.7%-21.1pp |
| Annual return | 10.78% | 18.09%-7.3pp | 27.11%-16.3pp | 35.65%-24.9pp |
| Employer contribution / active EE | $606 | $2,281-73.4% | $3,950-84.7% | $2,756-78.0% |
| Participant deferral / active EE | $2,658 | $4,408-39.7% | $6,278-57.7% | $4,299-38.2% |
| Admin fee / account holder | $13,036 | $7,168+81.9% | $10,419+25.1% | $6,940+87.8% |