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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 | $100,433 | $100,194+0.2% | $122,979-18.3% | $86,983+15.5% |
| Participation rate | 63.2% | 73.0%-9.8pp | 77.2%-14.0pp | 69.5%-6.4pp |
| Annual return | 14.17% | 16.47%-2.3pp | 20.12%-5.9pp | 25.83%-11.7pp |
| Employer contribution / active EE | $1,406 | $2,326-39.5% | $3,062-54.1% | $2,584-45.6% |
| Participant deferral / active EE | $4,226 | $4,133+2.2% | $5,003-15.5% | $4,194+0.8% |
| Admin fee / account holder | $704 | $10,148-93.1% | $12,864-94.5% | $7,856-91.0% |