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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 | $95,818 | $76,834+24.7% | $108,359-11.6% | $87,485+9.5% |
| Participation rate | 47.3% | 61.7%-14.5pp | 70.1%-22.8pp | 68.9%-21.7pp |
| Annual return | 14.74% | 19.09%-4.4pp | 36.89%-22.2pp | 26.06%-11.3pp |
| Employer contribution / active EE | $1,401 | $1,556-10.0% | $2,399-41.6% | $2,596-46.1% |
| Participant deferral / active EE | $4,063 | $3,100+31.0% | $4,137-1.8% | $4,274-4.9% |
| Admin fee / account holder | $1,505 | $6,537-77.0% | $9,741-84.5% | $7,775-80.6% |