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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 | $81,457+22.4% | $103,378-3.6% | $80,911+23.2% |
| Participation rate | 25.3% | 66.8%-41.6pp | 74.5%-49.2pp | 67.6%-42.4pp |
| Annual return | 17.45% | 25.58%-8.1pp | 24.91%-7.5pp | 35.63%-18.2pp |
| Employer contribution / active EE | $1,265 | $3,107-59.3% | $3,870-67.3% | $2,756-54.1% |
| Participant deferral / active EE | $2,471 | $3,871-36.2% | $5,058-51.1% | $4,297-42.5% |
| Admin fee / account holder | $2,002 | $6,717-70.2% | $8,401-76.2% | $6,935-71.1% |