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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 | $85,753 | $73,787+16.2% | $98,716-13.1% | $82,448+4.0% |
| Participation rate | 48.0% | 61.4%-13.4pp | 69.3%-21.3pp | 68.1%-20.1pp |
| Annual return | 12.91% | 18.57%-5.7pp | 31.81%-18.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $1,006 | $1,511-33.4% | $2,279-55.8% | $2,551-60.6% |
| Participant deferral / active EE | $2,421 | $3,081-21.4% | $4,048-40.2% | $4,139-41.5% |
| Admin fee / account holder | $1,849 | $6,500-71.6% | $8,703-78.8% | $7,234-74.4% |