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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 | $80,450 | $63,809+26.1% | $81,353-1.1% | $80,935-0.6% |
| Participation rate | 46.3% | 63.9%-17.7pp | 69.5%-23.3pp | 67.7%-21.4pp |
| Annual return | 28.38% | 16.37%+12.0pp | 24.82%+3.6pp | 35.66%-7.3pp |
| Employer contribution / active EE | $1,202 | $1,981-39.3% | $2,464-51.2% | $2,757-56.4% |
| Participant deferral / active EE | $2,410 | $3,093-22.1% | $3,885-38.0% | $4,299-44.0% |
| Admin fee / account holder | $2,688 | $5,686-52.7% | $5,766-53.4% | $6,924-61.2% |