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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 | $81,008 | $59,804+35.5% | $81,982-1.2% | $79,856+1.4% |
| Participation rate | 38.6% | 61.6%-23.1pp | 69.3%-30.7pp | 69.6%-31.1pp |
| Annual return | 11.73% | 17.56%-5.8pp | 41.31%-29.6pp | 31.71%-20.0pp |
| Employer contribution / active EE | $1,137 | $1,713-33.7% | $2,498-54.5% | $2,471-54.0% |
| Participant deferral / active EE | $2,370 | $2,695-12.1% | $3,722-36.3% | $3,741-36.6% |
| Admin fee / account holder | $4,711 | $4,288+9.9% | $5,665-16.8% | $5,306-11.2% |