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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 | $135,448 | $101,795+33.1% | $165,100-18.0% | $80,959+67.3% |
| Participation rate | 34.9% | 71.8%-36.9pp | 78.6%-43.7pp | 67.7%-32.8pp |
| Annual return | 13.54% | 16.73%-3.2pp | 70.21%-56.7pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,548 | $2,954-47.6% | $4,348-64.4% | $2,757-43.9% |
| Participant deferral / active EE | $2,211 | $4,476-50.6% | $6,035-63.4% | $4,300-48.6% |
| Admin fee / account holder | $7,906 | $8,221-3.8% | $12,696-37.7% | $6,925+14.2% |