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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 | $90,797 | $81,331+11.6% | $155,534-41.6% | $80,935+12.2% |
| Participation rate | 45.2% | 66.3%-21.1pp | 78.2%-33.1pp | 67.7%-22.5pp |
| Annual return | 18.76% | 33.37%-14.6pp | 64.92%-46.2pp | 35.66%-16.9pp |
| Employer contribution / active EE | $880 | $3,105-71.7% | $4,675-81.2% | $2,757-68.1% |
| Participant deferral / active EE | $1,465 | $3,454-57.6% | $5,630-74.0% | $4,299-65.9% |
| Admin fee / account holder | $17,003 | $7,999+112.6% | $15,900+6.9% | $6,924+145.6% |