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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 | $86,187 | $75,541+14.1% | $152,093-43.3% | $82,637+4.3% |
| Participation rate | 51.7% | 66.5%-14.8pp | 77.8%-26.0pp | 68.1%-16.3pp |
| Annual return | 18.38% | 32.56%-14.2pp | 66.36%-48.0pp | 53.51%-35.1pp |
| Employer contribution / active EE | $1,895 | $2,622-27.7% | $4,175-54.6% | $2,552-25.7% |
| Participant deferral / active EE | $4,090 | $3,206+27.6% | $5,451-25.0% | $4,126-0.9% |
| Admin fee / account holder | $397 | $6,405-93.8% | $14,497-97.3% | $7,339-94.6% |