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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 | $97,273 | $81,504+19.3% | $102,437-5.0% | $80,959+20.2% |
| Participation rate | 39.3% | 66.9%-27.6pp | 74.5%-35.2pp | 67.7%-28.4pp |
| Annual return | 11.08% | 25.60%-14.5pp | 24.95%-13.9pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,570 | $3,104-49.4% | $3,871-59.4% | $2,757-43.1% |
| Participant deferral / active EE | $4,482 | $3,871+15.8% | $5,060-11.4% | $4,300+4.2% |
| Admin fee / account holder | $566 | $6,719-91.6% | $8,388-93.2% | $6,925-91.8% |