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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 | $100,834 | $101,795-0.9% | $165,100-38.9% | $80,959+24.5% |
| Participation rate | 53.5% | 71.8%-18.3pp | 78.6%-25.1pp | 67.7%-14.2pp |
| Annual return | 12.19% | 16.73%-4.5pp | 70.21%-58.0pp | 35.67%-23.5pp |
| Employer contribution / active EE | $1,566 | $2,954-47.0% | $4,348-64.0% | $2,757-43.2% |
| Participant deferral / active EE | $3,609 | $4,476-19.4% | $6,035-40.2% | $4,300-16.1% |
| Admin fee / account holder | $2,147 | $8,221-73.9% | $12,696-83.1% | $6,925-69.0% |