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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 | $90,777 | $76,371+18.9% | $93,621-3.0% | $72,976+24.4% |
| Participation rate | 40.0% | 71.8%-31.8pp | 75.8%-35.8pp | 69.5%-29.5pp |
| Annual return | 27.63% | 25.82%+1.8pp | 32.76%-5.1pp | 81.02%-53.4pp |
| Employer contribution / active EE | $1,014 | $2,276-55.5% | $2,719-62.7% | $2,440-58.5% |
| Participant deferral / active EE | $2,150 | $3,538-39.2% | $4,070-47.2% | $3,608-40.4% |
| Admin fee / account holder | $1,746 | $6,839-74.5% | $7,890-77.9% | $5,124-65.9% |