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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 | $77,574+100.1% | $108,753+42.7% | $86,983+78.4% |
| Participation rate | 22.9% | 62.3%-39.4pp | 71.1%-48.2pp | 69.5%-46.7pp |
| Annual return | 15.06% | 18.42%-3.4pp | 37.47%-22.4pp | 25.83%-10.8pp |
| Employer contribution / active EE | $1,264 | $1,611-21.5% | $2,427-47.9% | $2,584-51.1% |
| Participant deferral / active EE | $1,972 | $3,128-37.0% | $4,115-52.1% | $4,194-53.0% |
| Admin fee / account holder | $8,813 | $6,529+35.0% | $10,320-14.6% | $7,856+12.2% |