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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 | $88,447 | $81,504+8.5% | $102,437-13.7% | $80,959+9.2% |
| Participation rate | 43.3% | 66.9%-23.5pp | 74.5%-31.2pp | 67.7%-24.3pp |
| Annual return | 13.93% | 25.60%-11.7pp | 24.95%-11.0pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,759 | $3,104-43.3% | $3,871-54.5% | $2,757-36.2% |
| Participant deferral / active EE | $3,337 | $3,871-13.8% | $5,060-34.1% | $4,300-22.4% |
| Admin fee / account holder | $2,045 | $6,719-69.6% | $8,388-75.6% | $6,925-70.5% |