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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 | $101,798-4.8% | $165,071-41.3% | $80,935+19.8% |
| Participation rate | 51.4% | 71.8%-20.5pp | 78.6%-27.3pp | 67.7%-16.3pp |
| Annual return | 12.83% | 16.73%-3.9pp | 70.17%-57.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,454 | $2,954-50.8% | $4,347-66.5% | $2,757-47.2% |
| Participant deferral / active EE | $3,949 | $4,476-11.8% | $6,035-34.6% | $4,299-8.2% |
| Admin fee / account holder | $4,238 | $8,221-48.5% | $12,695-66.6% | $6,924-38.8% |