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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 | $78,641 | $81,457-3.5% | $103,378-23.9% | $80,911-2.8% |
| Participation rate | 39.1% | 66.8%-27.7pp | 74.5%-35.4pp | 67.6%-28.5pp |
| Annual return | 15.93% | 25.58%-9.6pp | 24.91%-9.0pp | 35.63%-19.7pp |
| Employer contribution / active EE | $1,313 | $3,107-57.8% | $3,870-66.1% | $2,756-52.4% |
| Participant deferral / active EE | $2,803 | $3,871-27.6% | $5,058-44.6% | $4,297-34.8% |
| Admin fee / account holder | $7,293 | $6,717+8.6% | $8,401-13.2% | $6,935+5.2% |