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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 | $87,689 | $87,059+0.7% | $105,608-17.0% | $80,925+8.4% |
| Participation rate | 45.5% | 70.4%-25.0pp | 75.3%-29.8pp | 67.7%-22.2pp |
| Annual return | 17.64% | 17.05%+0.6pp | 116.50%-98.9pp | 35.65%-18.0pp |
| Employer contribution / active EE | $1,314 | $2,396-45.2% | $3,167-58.5% | $2,756-52.3% |
| Participant deferral / active EE | $3,523 | $3,986-11.6% | $5,010-29.7% | $4,299-18.0% |
| Admin fee / account holder | $675 | $8,443-92.0% | $11,028-93.9% | $6,940-90.3% |