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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 | $94,242 | $51,166+84.2% | $70,544+33.6% | $71,511+31.8% |
| Participation rate | 43.0% | 59.4%-16.4pp | 68.4%-25.4pp | 67.9%-24.9pp |
| Annual return | 15.51% | 42.71%-27.2pp | 32.79%-17.3pp | 28.86%-13.3pp |
| Employer contribution / active EE | $781 | $1,793-56.5% | $2,976-73.8% | $2,589-69.9% |
| Participant deferral / active EE | $2,343 | $3,031-22.7% | $4,568-48.7% | $4,291-45.4% |
| Admin fee / account holder | $5,395 | $2,000+169.7% | $6,427-16.1% | $1,588+239.6% |