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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 | $121,563 | $78,015+55.8% | $178,505-31.9% | $80,959+50.2% |
| Participation rate | 37.5% | 65.7%-28.2pp | 77.1%-39.6pp | 67.7%-30.2pp |
| Annual return | 16.14% | 18.10%-2.0pp | 27.16%-11.0pp | 35.67%-19.5pp |
| Employer contribution / active EE | $1,199 | $2,281-47.4% | $3,955-69.7% | $2,757-56.5% |
| Participant deferral / active EE | $4,516 | $4,406+2.5% | $6,280-28.1% | $4,300+5.0% |
| Admin fee / account holder | $884 | $7,160-87.7% | $10,428-91.5% | $6,925-87.2% |