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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 | $86,345 | $81,358+6.1% | $155,556-44.5% | $80,959+6.7% |
| Participation rate | 38.2% | 66.3%-28.0pp | 78.2%-40.0pp | 67.7%-29.4pp |
| Annual return | 14.32% | 33.39%-19.1pp | 64.84%-50.5pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,945 | $3,106-37.4% | $4,675-58.4% | $2,757-29.5% |
| Participant deferral / active EE | $3,813 | $3,455+10.4% | $5,631-32.3% | $4,300-11.3% |
| Admin fee / account holder | $3,236 | $7,994-59.5% | $15,885-79.6% | $6,925-53.3% |