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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 | $77,432 | $74,535+3.9% | $100,712-23.1% | $82,637-6.3% |
| Participation rate | 45.5% | 61.2%-15.7pp | 69.3%-23.8pp | 68.1%-22.6pp |
| Annual return | 13.82% | 18.92%-5.1pp | 33.27%-19.5pp | 53.51%-39.7pp |
| Employer contribution / active EE | $1,205 | $1,503-19.8% | $2,313-47.9% | $2,552-52.8% |
| Participant deferral / active EE | $3,085 | $3,074+0.4% | $4,085-24.5% | $4,126-25.2% |
| Admin fee / account holder | $988 | $6,576-85.0% | $9,256-89.3% | $7,339-86.5% |