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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 | $80,056 | $69,444+15.3% | $92,985-13.9% | $87,485-8.5% |
| Participation rate | 41.4% | 63.3%-21.9pp | 69.5%-28.1pp | 68.9%-27.6pp |
| Annual return | 13.19% | 23.85%-10.7pp | 27.99%-14.8pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,044 | $1,917-45.5% | $2,662-60.8% | $2,596-59.8% |
| Participant deferral / active EE | $3,664 | $3,364+8.9% | $4,377-16.3% | $4,274-14.3% |
| Admin fee / account holder | $8,775 | $6,137+43.0% | $9,463-7.3% | $7,775+12.9% |