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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 | $99,269 | $57,828+71.7% | $117,039-15.2% | $70,126+41.6% |
| Participation rate | 56.0% | 67.1%-11.1pp | 77.2%-21.2pp | 69.5%-13.5pp |
| Annual return | 16.54% | 17.55%-1.0pp | 18.95%-2.4pp | 73.15%-56.6pp |
| Employer contribution / active EE | $1,071 | $1,816-41.0% | $3,785-71.7% | $2,343-54.3% |
| Participant deferral / active EE | $1,367 | $2,438-43.9% | $3,929-65.2% | $3,332-59.0% |
| Admin fee / account holder | $1,493 | $3,548-57.9% | $5,974-75.0% | $4,645-67.9% |