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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 | $95,327 | $101,798-6.4% | $165,071-42.3% | $80,935+17.8% |
| Participation rate | 42.4% | 71.8%-29.4pp | 78.6%-36.2pp | 67.7%-25.2pp |
| Annual return | 13.46% | 16.73%-3.3pp | 70.17%-56.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $2,711 | $2,954-8.2% | $4,347-37.6% | $2,757-1.6% |
| Participant deferral / active EE | $5,112 | $4,476+14.2% | $6,035-15.3% | $4,299+18.9% |
| Admin fee / account holder | $5,508 | $8,221-33.0% | $12,695-56.6% | $6,924-20.5% |