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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 | $89,778 | $106,864-16.0% | $147,318-39.1% | $82,637+8.6% |
| Participation rate | 55.3% | 75.5%-20.2pp | 82.1%-26.8pp | 68.1%-12.8pp |
| Annual return | 30.88% | 27.49%+3.4pp | 70.43%-39.6pp | 53.51%-22.6pp |
| Employer contribution / active EE | $2,042 | $3,417-40.2% | $4,593-55.5% | $2,552-20.0% |
| Participant deferral / active EE | $3,832 | $6,496-41.0% | $7,906-51.5% | $4,126-7.1% |
| Admin fee / account holder | $4,217 | $8,415-49.9% | $13,708-69.2% | $7,339-42.5% |