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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 | $136,662 | $72,486+88.5% | $87,103+56.9% | $72,976+87.3% |
| Participation rate | 48.3% | 72.8%-24.5pp | 76.9%-28.6pp | 69.5%-21.2pp |
| Annual return | 23.20% | 24.46%-1.3pp | 28.19%-5.0pp | 81.02%-57.8pp |
| Employer contribution / active EE | $503 | $1,894-73.4% | $2,521-80.0% | $2,440-79.4% |
| Participant deferral / active EE | $3,140 | $3,270-4.0% | $4,049-22.4% | $3,608-13.0% |
| Admin fee / account holder | $9,175 | $5,055+81.5% | $7,491+22.5% | $5,124+79.1% |