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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 | $127,071 | $114,712+10.8% | $173,730-26.9% | $87,485+45.3% |
| Participation rate | 51.2% | 73.0%-21.8pp | 79.6%-28.4pp | 68.9%-17.7pp |
| Annual return | 15.75% | 20.18%-4.4pp | 19.96%-4.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,090 | $2,904-62.5% | $4,577-76.2% | $2,596-58.0% |
| Participant deferral / active EE | $4,618 | $4,642-0.5% | $6,326-27.0% | $4,274+8.1% |
| Admin fee / account holder | $1,904 | $10,210-81.3% | $17,523-89.1% | $7,775-75.5% |