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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 | $98,785 | $75,541+30.8% | $152,093-35.0% | $82,637+19.5% |
| Participation rate | 44.7% | 66.5%-21.8pp | 77.8%-33.0pp | 68.1%-23.3pp |
| Annual return | 21.14% | 32.56%-11.4pp | 66.36%-45.2pp | 53.51%-32.4pp |
| Employer contribution / active EE | $1,691 | $2,622-35.5% | $4,175-59.5% | $2,552-33.8% |
| Participant deferral / active EE | $2,889 | $3,206-9.9% | $5,451-47.0% | $4,126-30.0% |
| Admin fee / account holder | $1,675 | $6,405-73.8% | $14,497-88.4% | $7,339-77.2% |