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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 | $79,185 | $81,494-2.8% | $133,978-40.9% | $73,497+7.7% |
| Participation rate | 42.4% | 76.4%-34.0pp | 79.8%-37.4pp | 70.7%-28.3pp |
| Annual return | 20.35% | 19.40%+1.0pp | 45.10%-24.7pp | 28.51%-8.2pp |
| Employer contribution / active EE | $1,648 | $2,210-25.4% | $3,919-57.9% | $2,270-27.4% |
| Participant deferral / active EE | $2,701 | $3,787-28.7% | $5,047-46.5% | $3,740-27.8% |
| Admin fee / account holder | $3,869 | $713+442.3% | $8,930-56.7% | $513+654.1% |