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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 | $189,096 | $215,361-12.2% | $171,082+10.5% | $273,972-31.0% |
| Participation rate | 50.0% | 82.0%-32.0pp | 76.7%-26.7pp | 83.0%-33.0pp |
| Annual return | 2.55% | 25.14%-22.6pp | 32.56%-30.0pp | 41.46%-38.9pp |
| Employer contribution / active EE | $3,029 | $4,967-39.0% | $4,002-24.3% | $4,869-37.8% |
| Participant deferral / active EE | $6,474 | $5,543+16.8% | $4,797+34.9% | $5,287+22.4% |
| Admin fee / account holder | $926 | $10,846-91.5% | $8,520-89.1% | $10,133-90.9% |