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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 | $85,190 | $101,798-16.3% | $165,071-48.4% | $80,935+5.3% |
| Participation rate | 52.1% | 71.8%-19.7pp | 78.6%-26.5pp | 67.7%-15.6pp |
| Annual return | 14.78% | 16.73%-1.9pp | 70.17%-55.4pp | 35.66%-20.9pp |
| Employer contribution / active EE | $1,945 | $2,954-34.2% | $4,347-55.3% | $2,757-29.4% |
| Participant deferral / active EE | $3,286 | $4,476-26.6% | $6,035-45.5% | $4,299-23.6% |
| Admin fee / account holder | $5,443 | $8,221-33.8% | $12,695-57.1% | $6,924-21.4% |