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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 | $88,890 | $81,358+9.3% | $155,556-42.9% | $80,959+9.8% |
| Participation rate | 53.3% | 66.3%-12.9pp | 78.2%-24.9pp | 67.7%-14.3pp |
| Annual return | 15.22% | 33.39%-18.2pp | 64.84%-49.6pp | 35.67%-20.4pp |
| Employer contribution / active EE | $1,504 | $3,106-51.6% | $4,675-67.8% | $2,757-45.5% |
| Participant deferral / active EE | $7,209 | $3,455+108.6% | $5,631+28.0% | $4,300+67.6% |
| Admin fee / account holder | $790 | $7,994-90.1% | $15,885-95.0% | $6,925-88.6% |