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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 | $137,941 | $95,453+44.5% | $112,040+23.1% | $82,448+67.3% |
| Participation rate | 55.9% | 72.8%-16.8pp | 76.5%-20.6pp | 68.1%-12.1pp |
| Annual return | 15.37% | 23.92%-8.6pp | 24.52%-9.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,091 | $2,318-52.9% | $2,954-63.1% | $2,551-57.2% |
| Participant deferral / active EE | $3,753 | $4,224-11.1% | $5,098-26.4% | $4,139-9.3% |
| Admin fee / account holder | $11,213 | $9,013+24.4% | $12,098-7.3% | $7,234+55.0% |