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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 | $89,349 | $72,607+23.1% | $90,259-1.0% | $87,485+2.1% |
| Participation rate | 45.3% | 64.8%-19.5pp | 70.7%-25.4pp | 68.9%-23.6pp |
| Annual return | 15.95% | 18.59%-2.6pp | 18.88%-2.9pp | 26.06%-10.1pp |
| Employer contribution / active EE | $1,039 | $1,919-45.9% | $2,291-54.6% | $2,596-60.0% |
| Participant deferral / active EE | $2,434 | $3,055-20.3% | $3,827-36.4% | $4,274-43.0% |
| Admin fee / account holder | $5,622 | $5,947-5.5% | $7,267-22.6% | $7,775-27.7% |