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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 | $158,480 | $55,684+184.6% | $75,900+108.8% | $72,976+117.2% |
| Participation rate | 54.8% | 61.1%-6.4pp | 69.3%-14.5pp | 69.5%-14.7pp |
| Annual return | 23.44% | 27.60%-4.2pp | 30.73%-7.3pp | 81.02%-57.6pp |
| Employer contribution / active EE | $395 | $1,687-76.6% | $2,501-84.2% | $2,440-83.8% |
| Participant deferral / active EE | $3,197 | $2,634+21.4% | $3,604-11.3% | $3,608-11.4% |
| Admin fee / account holder | $4,016 | $3,981+0.9% | $5,421-25.9% | $5,124-21.6% |