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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 | $99,683 | $81,487+22.3% | $102,412-2.7% | $80,935+23.2% |
| Participation rate | 25.3% | 66.8%-41.6pp | 74.5%-49.2pp | 67.7%-42.4pp |
| Annual return | 17.45% | 25.60%-8.1pp | 24.94%-7.5pp | 35.66%-18.2pp |
| Employer contribution / active EE | $1,265 | $3,103-59.2% | $3,870-67.3% | $2,757-54.1% |
| Participant deferral / active EE | $2,471 | $3,871-36.2% | $5,060-51.2% | $4,299-42.5% |
| Admin fee / account holder | $2,002 | $6,717-70.2% | $8,388-76.1% | $6,924-71.1% |