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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 | $99,505 | $73,787+34.9% | $98,716+0.8% | $82,448+20.7% |
| Participation rate | 45.9% | 61.4%-15.5pp | 69.3%-23.3pp | 68.1%-22.1pp |
| Annual return | 25.09% | 18.57%+6.5pp | 31.81%-6.7pp | 41.64%-16.5pp |
| Employer contribution / active EE | $691 | $1,511-54.3% | $2,279-69.7% | $2,551-72.9% |
| Participant deferral / active EE | $2,397 | $3,081-22.2% | $4,048-40.8% | $4,139-42.1% |
| Admin fee / account holder | $1,610 | $6,500-75.2% | $8,703-81.5% | $7,234-77.7% |