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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 | $83,274 | $76,834+8.4% | $108,359-23.2% | $87,485-4.8% |
| Participation rate | 28.2% | 61.7%-33.5pp | 70.1%-41.9pp | 68.9%-40.7pp |
| Annual return | 22.49% | 19.09%+3.4pp | 36.89%-14.4pp | 26.06%-3.6pp |
| Employer contribution / active EE | $1,092 | $1,556-29.8% | $2,399-54.5% | $2,596-57.9% |
| Participant deferral / active EE | $1,668 | $3,100-46.2% | $4,137-59.7% | $4,274-61.0% |
| Admin fee / account holder | $7,041 | $6,537+7.7% | $9,741-27.7% | $7,775-9.4% |