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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 | $79,539 | $72,272+10.1% | $101,264-21.5% | $79,858-0.4% |
| Participation rate | 49.3% | 68.5%-19.2pp | 75.8%-26.6pp | 69.6%-20.4pp |
| Annual return | 12.59% | 22.30%-9.7pp | 46.48%-33.9pp | 31.72%-19.1pp |
| Employer contribution / active EE | $1,945 | $2,692-27.7% | $3,660-46.9% | $2,471-21.3% |
| Participant deferral / active EE | $3,215 | $3,282-2.0% | $4,370-26.4% | $3,740-14.0% |
| Admin fee / account holder | $8,475 | $4,401+92.6% | $5,947+42.5% | $5,306+59.7% |