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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 | $57,119+181.7% | $85,187+88.9% | $80,935+98.8% |
| Participation rate | 35.7% | 56.4%-20.7pp | 67.5%-31.8pp | 67.7%-31.9pp |
| Annual return | 11.88% | 21.70%-9.8pp | 66.67%-54.8pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,847 | $1,802+2.5% | $2,732-32.4% | $2,757-33.0% |
| Participant deferral / active EE | $4,152 | $3,115+33.3% | $4,525-8.2% | $4,299-3.4% |
| Admin fee / account holder | $2,036 | $4,990-59.2% | $6,162-67.0% | $6,924-70.6% |