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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 | $85,165 | $95,453-10.8% | $112,040-24.0% | $82,448+3.3% |
| Participation rate | 54.3% | 72.8%-18.5pp | 76.5%-22.2pp | 68.1%-13.8pp |
| Annual return | 16.84% | 23.92%-7.1pp | 24.52%-7.7pp | 41.64%-24.8pp |
| Employer contribution / active EE | $1,679 | $2,318-27.6% | $2,954-43.2% | $2,551-34.2% |
| Participant deferral / active EE | $3,313 | $4,224-21.6% | $5,098-35.0% | $4,139-20.0% |
| Admin fee / account holder | $2,046 | $9,013-77.3% | $12,098-83.1% | $7,234-71.7% |