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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 | $160,913 | $57,073+181.9% | $85,126+89.0% | $80,925+98.8% |
| Participation rate | 35.7% | 56.4%-20.7pp | 67.5%-31.8pp | 67.7%-31.9pp |
| Annual return | 11.88% | 21.69%-9.8pp | 66.63%-54.8pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,847 | $1,801+2.6% | $2,731-32.4% | $2,756-33.0% |
| Participant deferral / active EE | $4,152 | $3,113+33.4% | $4,523-8.2% | $4,299-3.4% |
| Admin fee / account holder | $2,036 | $4,988-59.2% | $6,160-67.0% | $6,940-70.7% |