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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 | $82,306 | $86,949-5.3% | $102,460-19.7% | $80,959+1.7% |
| Participation rate | 67.6% | 72.4%-4.8pp | 76.5%-8.9pp | 67.7%-0.1pp |
| Annual return | 12.34% | 18.89%-6.6pp | 29.47%-17.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,477 | $2,370-37.7% | $3,025-51.2% | $2,757-46.4% |
| Participant deferral / active EE | $2,178 | $4,121-47.2% | $5,056-56.9% | $4,300-49.4% |
| Admin fee / account holder | $1,813 | $8,048-77.5% | $9,460-80.8% | $6,925-73.8% |