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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 | $99,423 | $72,269+37.6% | $101,271-1.8% | $79,852+24.5% |
| Participation rate | 44.8% | 68.5%-23.6pp | 75.8%-31.0pp | 69.6%-24.8pp |
| Annual return | 29.31% | 22.29%+7.0pp | 46.48%-17.2pp | 31.72%-2.4pp |
| Employer contribution / active EE | $965 | $2,692-64.2% | $3,660-73.6% | $2,471-61.0% |
| Participant deferral / active EE | $2,039 | $3,282-37.9% | $4,371-53.3% | $3,740-45.5% |
| Admin fee / account holder | $1,744 | $4,401-60.4% | $5,948-70.7% | $5,306-67.1% |