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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 | $96,435 | $82,882+16.4% | $127,803-24.5% | $72,975+32.1% |
| Participation rate | 53.6% | 71.5%-17.9pp | 79.0%-25.4pp | 69.5%-15.9pp |
| Annual return | 27.59% | 32.20%-4.6pp | 26.14%+1.5pp | 81.01%-53.4pp |
| Employer contribution / active EE | $1,879 | $3,346-43.9% | $4,576-58.9% | $2,440-23.0% |
| Participant deferral / active EE | $3,602 | $4,791-24.8% | $6,023-40.2% | $3,608-0.2% |
| Admin fee / account holder | $1,271 | $6,487-80.4% | $9,399-86.5% | $5,124-75.2% |