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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 | $90,168 | $86,949+3.7% | $102,460-12.0% | $80,959+11.4% |
| Participation rate | 45.5% | 72.4%-26.9pp | 76.5%-31.1pp | 67.7%-22.2pp |
| Annual return | 13.50% | 18.89%-5.4pp | 29.47%-16.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,334 | $2,370-43.7% | $3,025-55.9% | $2,757-51.6% |
| Participant deferral / active EE | $2,844 | $4,121-31.0% | $5,056-43.7% | $4,300-33.9% |
| Admin fee / account holder | $4,558 | $8,048-43.4% | $9,460-51.8% | $6,925-34.2% |