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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 | $98,867 | $81,504+21.3% | $102,437-3.5% | $80,959+22.1% |
| Participation rate | 47.4% | 66.9%-19.5pp | 74.5%-27.1pp | 67.7%-20.3pp |
| Annual return | 13.58% | 25.60%-12.0pp | 24.95%-11.4pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,609 | $3,104-48.2% | $3,871-58.4% | $2,757-41.7% |
| Participant deferral / active EE | $2,539 | $3,871-34.4% | $5,060-49.8% | $4,300-41.0% |
| Admin fee / account holder | $3,271 | $6,719-51.3% | $8,388-61.0% | $6,925-52.8% |