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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 | $155,205 | $76,834+102.0% | $108,359+43.2% | $87,485+77.4% |
| Participation rate | 22.9% | 61.7%-38.9pp | 70.1%-47.3pp | 68.9%-46.1pp |
| Annual return | 15.06% | 19.09%-4.0pp | 36.89%-21.8pp | 26.06%-11.0pp |
| Employer contribution / active EE | $1,264 | $1,556-18.8% | $2,399-47.3% | $2,596-51.3% |
| Participant deferral / active EE | $1,972 | $3,100-36.4% | $4,137-52.3% | $4,274-53.9% |
| Admin fee / account holder | $8,813 | $6,537+34.8% | $9,741-9.5% | $7,775+13.4% |