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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 | $77,206 | $51,708+49.3% | $106,619-27.6% | $62,881+22.8% |
| Participation rate | 60.0% | 66.9%-6.9pp | 78.0%-18.0pp | 69.3%-9.3pp |
| Annual return | 6.02% | 4.69%+1.3pp | 9.42%-3.4pp | 20.14%-14.1pp |
| Employer contribution / active EE | $1,202 | $1,764-31.8% | $3,947-69.5% | $2,281-47.3% |
| Participant deferral / active EE | $1,539 | $2,315-33.5% | $3,930-60.8% | $3,203-52.0% |
| Admin fee / account holder | $2,019 | $3,349-39.7% | $6,418-68.5% | $4,296-53.0% |