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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 | $105,500 | $80,781+30.6% | $102,437+3.0% | $74,478+41.7% |
| Participation rate | 52.0% | 65.7%-13.7pp | 74.5%-22.5pp | 67.2%-15.3pp |
| Annual return | 12.04% | 27.58%-15.5pp | 24.95%-12.9pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $1,448 | $3,160-54.2% | $3,871-62.6% | $2,626-44.9% |
| Participant deferral / active EE | $5,659 | $3,862+46.5% | $5,060+11.8% | $4,350+30.1% |
| Admin fee / account holder | $10,093 | $2,372+325.5% | $8,388+20.3% | $1,946+418.7% |