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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 | $86,919+32.6% | $102,457+12.5% | $80,911+42.4% |
| Participation rate | 35.9% | 72.4%-36.5pp | 76.5%-40.6pp | 67.6%-31.8pp |
| Annual return | 20.68% | 18.90%+1.8pp | 29.41%-8.7pp | 35.63%-15.0pp |
| Employer contribution / active EE | $1,654 | $2,368-30.1% | $3,022-45.3% | $2,756-40.0% |
| Participant deferral / active EE | $3,905 | $4,119-5.2% | $5,054-22.7% | $4,297-9.1% |
| Admin fee / account holder | $24,819 | $8,049+208.3% | $9,451+162.6% | $6,935+257.9% |