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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 | $100,913 | $75,541+33.6% | $152,093-33.7% | $82,637+22.1% |
| Participation rate | 48.6% | 66.5%-18.0pp | 77.8%-29.2pp | 68.1%-19.5pp |
| Annual return | 14.00% | 32.56%-18.6pp | 66.36%-52.4pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,252 | $2,622-52.3% | $4,175-70.0% | $2,552-51.0% |
| Participant deferral / active EE | $3,782 | $3,206+18.0% | $5,451-30.6% | $4,126-8.3% |
| Admin fee / account holder | $9,938 | $6,405+55.2% | $14,497-31.4% | $7,339+35.4% |