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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 | $88,004 | $101,798-13.6% | $165,071-46.7% | $80,935+8.7% |
| Participation rate | 46.3% | 71.8%-25.5pp | 78.6%-32.3pp | 67.7%-21.3pp |
| Annual return | 11.89% | 16.73%-4.8pp | 70.17%-58.3pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,561 | $2,954-47.2% | $4,347-64.1% | $2,757-43.4% |
| Participant deferral / active EE | $2,656 | $4,476-40.7% | $6,035-56.0% | $4,299-38.2% |
| Admin fee / account holder | $1,655 | $8,221-79.9% | $12,695-87.0% | $6,924-76.1% |