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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 | $87,934 | $81,504+7.9% | $102,437-14.2% | $80,959+8.6% |
| Participation rate | 27.1% | 66.9%-39.8pp | 74.5%-47.4pp | 67.7%-40.6pp |
| Annual return | 15.92% | 25.60%-9.7pp | 24.95%-9.0pp | 35.67%-19.8pp |
| Employer contribution / active EE | $1,011 | $3,104-67.4% | $3,871-73.9% | $2,757-63.3% |
| Participant deferral / active EE | $2,512 | $3,871-35.1% | $5,060-50.4% | $4,300-41.6% |
| Admin fee / account holder | $1,852 | $6,719-72.4% | $8,388-77.9% | $6,925-73.3% |