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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 | $146,537 | $78,015+87.8% | $178,505-17.9% | $80,959+81.0% |
| Participation rate | 52.2% | 65.7%-13.5pp | 77.1%-24.9pp | 67.7%-15.5pp |
| Annual return | 16.72% | 18.10%-1.4pp | 27.16%-10.4pp | 35.67%-19.0pp |
| Employer contribution / active EE | $1,654 | $2,281-27.5% | $3,955-58.2% | $2,757-40.0% |
| Participant deferral / active EE | $4,108 | $4,406-6.8% | $6,280-34.6% | $4,300-4.5% |
| Admin fee / account holder | $7,036 | $7,160-1.7% | $10,428-32.5% | $6,925+1.6% |