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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 | $77,574-0.2% | $108,753-28.8% | $86,983-11.0% |
| Participation rate | 45.5% | 62.3%-16.8pp | 71.1%-25.6pp | 69.5%-24.1pp |
| Annual return | 13.82% | 18.42%-4.6pp | 37.47%-23.7pp | 25.83%-12.0pp |
| Employer contribution / active EE | $1,205 | $1,611-25.2% | $2,427-50.4% | $2,584-53.4% |
| Participant deferral / active EE | $3,085 | $3,128-1.4% | $4,115-25.0% | $4,194-26.4% |
| Admin fee / account holder | $988 | $6,529-84.9% | $10,320-90.4% | $7,856-87.4% |