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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 | $90,052 | $77,896+15.6% | $134,172-32.9% | $82,448+9.2% |
| Participation rate | 38.0% | 62.8%-24.8pp | 72.5%-34.5pp | 68.1%-30.1pp |
| Annual return | 15.63% | 18.21%-2.6pp | 25.30%-9.7pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,147 | $2,159-46.9% | $3,420-66.5% | $2,551-55.1% |
| Participant deferral / active EE | $1,648 | $3,162-47.9% | $4,690-64.9% | $4,139-60.2% |
| Admin fee / account holder | $5,177 | $6,336-18.3% | $12,016-56.9% | $7,234-28.4% |