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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 | $148,178 | $108,825+36.2% | $156,181-5.1% | $82,448+79.7% |
| Participation rate | 34.1% | 72.4%-38.3pp | 78.8%-44.7pp | 68.1%-34.0pp |
| Annual return | 12.58% | 20.59%-8.0pp | 64.87%-52.3pp | 41.64%-29.1pp |
| Employer contribution / active EE | $1,974 | $2,870-31.2% | $4,294-54.0% | $2,551-22.6% |
| Participant deferral / active EE | $3,563 | $4,577-22.2% | $6,132-41.9% | $4,139-13.9% |
| Admin fee / account holder | $1,848 | $9,341-80.2% | $14,586-87.3% | $7,234-74.5% |