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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 | $86,476 | $110,137-21.5% | $161,149-46.3% | $82,637+4.6% |
| Participation rate | 51.0% | 72.4%-21.3pp | 78.8%-27.8pp | 68.1%-17.0pp |
| Annual return | 15.18% | 20.69%-5.5pp | 21.16%-6.0pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,173 | $2,856-58.9% | $4,360-73.1% | $2,552-54.0% |
| Participant deferral / active EE | $3,046 | $4,575-33.4% | $6,153-50.5% | $4,126-26.2% |
| Admin fee / account holder | $2,486 | $9,467-73.7% | $15,194-83.6% | $7,339-66.1% |