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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 | $83,955 | $85,515-1.8% | $112,040-25.1% | $67,986+23.5% |
| Participation rate | 51.0% | 68.2%-17.2pp | 76.5%-25.5pp | 57.2%-6.2pp |
| Annual return | 20.80% | 29.68%-8.9pp | 24.52%-3.7pp | 31.67%-10.9pp |
| Employer contribution / active EE | $1,463 | $2,191-33.2% | $2,954-50.5% | $2,019-27.5% |
| Participant deferral / active EE | $3,998 | $4,014-0.4% | $5,098-21.6% | $3,358+19.1% |
| Admin fee / account holder | $3,965 | $3,774+5.1% | $12,098-67.2% | $3,203+23.8% |