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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 | $122,051 | $57,590+111.9% | $86,233+41.5% | $82,448+48.0% |
| Participation rate | 46.9% | 57.9%-10.9pp | 69.0%-22.1pp | 68.1%-21.1pp |
| Annual return | 19.12% | 22.41%-3.3pp | 61.39%-42.3pp | 41.64%-22.5pp |
| Employer contribution / active EE | $1,452 | $1,655-12.3% | $2,504-42.0% | $2,551-43.1% |
| Participant deferral / active EE | $3,633 | $3,080+17.9% | $4,559-20.3% | $4,139-12.2% |
| Admin fee / account holder | $1,742 | $4,730-63.2% | $8,342-79.1% | $7,234-75.9% |