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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 | $89,763 | $51,222+75.2% | $70,544+27.2% | $75,173+19.4% |
| Participation rate | 48.4% | 61.0%-12.6pp | 68.4%-20.0pp | 67.2%-18.8pp |
| Annual return | 15.69% | 30.06%-14.4pp | 32.79%-17.1pp | 160.72%-145.0pp |
| Employer contribution / active EE | $604 | $1,827-66.9% | $2,976-79.7% | $2,671-77.4% |
| Participant deferral / active EE | $3,236 | $2,850+13.5% | $4,568-29.2% | $4,126-21.6% |
| Admin fee / account holder | $1,513 | $4,096-63.1% | $6,427-76.5% | $5,651-73.2% |