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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 | $115,217 | $86,949+32.5% | $102,460+12.5% | $80,959+42.3% |
| Participation rate | 35.9% | 72.4%-36.5pp | 76.5%-40.6pp | 67.7%-31.8pp |
| Annual return | 20.68% | 18.89%+1.8pp | 29.47%-8.8pp | 35.67%-15.0pp |
| Employer contribution / active EE | $1,654 | $2,370-30.2% | $3,025-45.3% | $2,757-40.0% |
| Participant deferral / active EE | $3,905 | $4,121-5.2% | $5,056-22.8% | $4,300-9.2% |
| Admin fee / account holder | $24,819 | $8,048+208.4% | $9,460+162.4% | $6,925+258.4% |