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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 | $86,726 | $88,672-2.2% | $105,223-17.6% | $82,448+5.2% |
| Participation rate | 44.4% | 67.9%-23.5pp | 75.0%-30.6pp | 68.1%-23.6pp |
| Annual return | 13.92% | 30.86%-16.9pp | 180.65%-166.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,712 | $3,048-43.8% | $3,689-53.6% | $2,551-32.9% |
| Participant deferral / active EE | $3,827 | $4,036-5.2% | $5,072-24.5% | $4,139-7.5% |
| Admin fee / account holder | $8,743 | $7,146+22.3% | $8,859-1.3% | $7,234+20.9% |