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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 | $104,582 | $59,804+74.9% | $81,982+27.6% | $79,856+31.0% |
| Participation rate | 45.9% | 61.6%-15.7pp | 69.3%-23.3pp | 69.6%-23.7pp |
| Annual return | 15.64% | 17.56%-1.9pp | 41.31%-25.7pp | 31.71%-16.1pp |
| Employer contribution / active EE | $1,156 | $1,713-32.6% | $2,498-53.7% | $2,471-53.2% |
| Participant deferral / active EE | $3,402 | $2,695+26.2% | $3,722-8.6% | $3,741-9.1% |
| Admin fee / account holder | $2,871 | $4,288-33.0% | $5,665-49.3% | $5,306-45.9% |