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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 | $171,175 | $63,773+168.4% | $81,286+110.6% | $80,925+111.5% |
| Participation rate | 52.8% | 63.9%-11.1pp | 69.5%-16.7pp | 67.7%-14.9pp |
| Annual return | 13.22% | 16.37%-3.2pp | 24.80%-11.6pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,414 | $1,979-28.6% | $2,463-42.6% | $2,756-48.7% |
| Participant deferral / active EE | $3,171 | $3,093+2.5% | $3,883-18.3% | $4,299-26.2% |
| Admin fee / account holder | $5,517 | $5,682-2.9% | $5,764-4.3% | $6,940-20.5% |