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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 | $99,883 | $72,273+38.2% | $101,275-1.4% | $79,856+25.1% |
| Participation rate | 52.5% | 68.5%-16.0pp | 75.8%-23.3pp | 69.6%-17.1pp |
| Annual return | 15.05% | 22.30%-7.2pp | 46.48%-31.4pp | 31.71%-16.7pp |
| Employer contribution / active EE | $1,405 | $2,691-47.8% | $3,660-61.6% | $2,471-43.1% |
| Participant deferral / active EE | $2,180 | $3,282-33.6% | $4,371-50.1% | $3,741-41.7% |
| Admin fee / account holder | $577 | $4,401-86.9% | $5,948-90.3% | $5,306-89.1% |