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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 | $128,774 | $68,573+87.8% | $120,368+7.0% | $80,874+59.2% |
| Participation rate | 38.5% | 61.6%-23.1pp | 71.9%-33.4pp | 67.6%-29.2pp |
| Annual return | 12.21% | 23.61%-11.4pp | 107.26%-95.1pp | 35.62%-23.4pp |
| Employer contribution / active EE | $1,274 | $2,052-37.9% | $3,465-63.2% | $2,756-53.8% |
| Participant deferral / active EE | $2,605 | $3,174-17.9% | $4,991-47.8% | $4,297-39.4% |
| Admin fee / account holder | $1,549 | $5,734-73.0% | $9,429-83.6% | $6,935-77.7% |