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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 | $81,011 | $81,233-0.3% | $155,567-47.9% | $80,874+0.2% |
| Participation rate | 52.2% | 66.2%-14.1pp | 78.2%-26.0pp | 67.6%-15.5pp |
| Annual return | 16.91% | 33.33%-16.4pp | 64.74%-47.8pp | 35.62%-18.7pp |
| Employer contribution / active EE | $1,840 | $3,101-40.6% | $4,674-60.6% | $2,756-33.2% |
| Participant deferral / active EE | $2,507 | $3,452-27.4% | $5,628-55.5% | $4,297-41.7% |
| Admin fee / account holder | $2,108 | $7,998-73.6% | $15,916-86.8% | $6,935-69.6% |