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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 | $93,723 | $81,504+15.0% | $102,437-8.5% | $80,959+15.8% |
| Participation rate | 44.2% | 66.9%-22.7pp | 74.5%-30.4pp | 67.7%-23.5pp |
| Annual return | 19.55% | 25.60%-6.0pp | 24.95%-5.4pp | 35.67%-16.1pp |
| Employer contribution / active EE | $1,931 | $3,104-37.8% | $3,871-50.1% | $2,757-30.0% |
| Participant deferral / active EE | $3,981 | $3,871+2.9% | $5,060-21.3% | $4,300-7.4% |
| Admin fee / account holder | $1,964 | $6,719-70.8% | $8,388-76.6% | $6,925-71.6% |