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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 | $96,926 | $101,752-4.7% | $164,928-41.2% | $80,911+19.8% |
| Participation rate | 51.4% | 71.8%-20.5pp | 78.6%-27.3pp | 67.6%-16.3pp |
| Annual return | 12.83% | 16.73%-3.9pp | 70.08%-57.2pp | 35.63%-22.8pp |
| Employer contribution / active EE | $1,454 | $2,953-50.8% | $4,343-66.5% | $2,756-47.2% |
| Participant deferral / active EE | $3,949 | $4,477-11.8% | $6,034-34.6% | $4,297-8.1% |
| Admin fee / account holder | $4,238 | $8,218-48.4% | $12,684-66.6% | $6,935-38.9% |