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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 | $120,864 | $106,524+13.5% | $152,301-20.6% | $87,485+38.2% |
| Participation rate | 40.0% | 75.8%-35.8pp | 82.4%-42.4pp | 68.9%-28.9pp |
| Annual return | 17.16% | 26.89%-9.7pp | 80.50%-63.3pp | 26.06%-8.9pp |
| Employer contribution / active EE | $1,898 | $3,371-43.7% | $4,624-59.0% | $2,596-26.9% |
| Participant deferral / active EE | $3,647 | $6,525-44.1% | $8,004-54.4% | $4,274-14.7% |
| Admin fee / account holder | $5,251 | $8,287-36.6% | $14,398-63.5% | $7,775-32.5% |