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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 | $135,331 | $76,834+76.1% | $108,359+24.9% | $87,485+54.7% |
| Participation rate | 45.9% | 61.7%-15.8pp | 70.1%-24.2pp | 68.9%-23.0pp |
| Annual return | 17.51% | 19.09%-1.6pp | 36.89%-19.4pp | 26.06%-8.5pp |
| Employer contribution / active EE | $1,166 | $1,556-25.1% | $2,399-51.4% | $2,596-55.1% |
| Participant deferral / active EE | $3,524 | $3,100+13.7% | $4,137-14.8% | $4,274-17.5% |
| Admin fee / account holder | $2,764 | $6,537-57.7% | $9,741-71.6% | $7,775-64.5% |