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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 | $98,378 | $101,795-3.4% | $165,100-40.4% | $80,959+21.5% |
| Participation rate | 46.1% | 71.8%-25.8pp | 78.6%-32.6pp | 67.7%-21.6pp |
| Annual return | 12.85% | 16.73%-3.9pp | 70.21%-57.4pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,405 | $2,954-52.4% | $4,348-67.7% | $2,757-49.1% |
| Participant deferral / active EE | $3,196 | $4,476-28.6% | $6,035-47.1% | $4,300-25.7% |
| Admin fee / account holder | $2,514 | $8,221-69.4% | $12,696-80.2% | $6,925-63.7% |