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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 | $109,524 | $112,729-2.8% | $98,716+10.9% | $137,256-20.2% |
| Participation rate | 40.0% | 74.2%-34.2pp | 69.3%-29.3pp | 80.0%-40.0pp |
| Annual return | 19.71% | 38.48%-18.8pp | 31.81%-12.1pp | 220.34%-200.6pp |
| Employer contribution / active EE | $1,311 | $2,725-51.9% | $2,279-42.5% | $4,156-68.5% |
| Participant deferral / active EE | $4,200 | $4,640-9.5% | $4,048+3.8% | $6,407-34.4% |
| Admin fee / account holder | $6,521 | $10,129-35.6% | $8,703-25.1% | $12,270-46.9% |