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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 | $77,574+74.5% | $108,753+24.4% | $86,983+55.6% |
| Participation rate | 45.9% | 62.3%-16.3pp | 71.1%-25.1pp | 69.5%-23.6pp |
| Annual return | 17.51% | 18.42%-0.9pp | 37.47%-20.0pp | 25.83%-8.3pp |
| Employer contribution / active EE | $1,166 | $1,611-27.6% | $2,427-52.0% | $2,584-54.9% |
| Participant deferral / active EE | $3,524 | $3,128+12.6% | $4,115-14.4% | $4,194-16.0% |
| Admin fee / account holder | $2,764 | $6,529-57.7% | $10,320-73.2% | $7,856-64.8% |