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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 | $95,873 | $106,749-10.2% | $145,433-34.1% | $82,448+16.3% |
| Participation rate | 54.0% | 75.6%-21.7pp | 82.1%-28.2pp | 68.1%-14.1pp |
| Annual return | 14.39% | 27.59%-13.2pp | 66.58%-52.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $2,038 | $3,444-40.8% | $4,554-55.3% | $2,551-20.1% |
| Participant deferral / active EE | $4,772 | $6,519-26.8% | $7,897-39.6% | $4,139+15.3% |
| Admin fee / account holder | $3,060 | $8,390-63.5% | $13,129-76.7% | $7,234-57.7% |