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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 | $98,249 | $86,940+13.0% | $102,434-4.1% | $80,935+21.4% |
| Participation rate | 39.8% | 72.4%-32.6pp | 76.5%-36.7pp | 67.7%-27.9pp |
| Annual return | 13.37% | 18.89%-5.5pp | 29.46%-16.1pp | 35.66%-22.3pp |
| Employer contribution / active EE | $1,733 | $2,370-26.9% | $3,023-42.7% | $2,757-37.1% |
| Participant deferral / active EE | $3,973 | $4,121-3.6% | $5,055-21.4% | $4,299-7.6% |
| Admin fee / account holder | $5,033 | $8,047-37.5% | $9,462-46.8% | $6,924-27.3% |