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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 | $78,692 | $81,358-3.3% | $155,556-49.4% | $80,959-2.8% |
| Participation rate | 40.7% | 66.3%-25.6pp | 78.2%-37.5pp | 67.7%-27.0pp |
| Annual return | 13.97% | 33.39%-19.4pp | 64.84%-50.9pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,280 | $3,106-58.8% | $4,675-72.6% | $2,757-53.6% |
| Participant deferral / active EE | $2,904 | $3,455-15.9% | $5,631-48.4% | $4,300-32.5% |
| Admin fee / account holder | $16,606 | $7,994+107.7% | $15,885+4.5% | $6,925+139.8% |