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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 | $118,407 | $99,345+19.2% | $84,753+39.7% | $273,972-56.8% |
| Participation rate | 58.3% | 80.7%-22.4pp | 76.6%-18.3pp | 83.0%-24.7pp |
| Annual return | 9.20% | 22.93%-13.7pp | 22.78%-13.6pp | 41.46%-32.3pp |
| Employer contribution / active EE | $1,580 | $4,214-62.5% | $3,574-55.8% | $4,869-67.5% |
| Participant deferral / active EE | $3,710 | $4,270-13.1% | $3,712-0.1% | $5,287-29.8% |
| Admin fee / account holder | $2,267 | $6,645-65.9% | $5,333-57.5% | $10,133-77.6% |