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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 | $85,317 | $75,541+12.9% | $152,093-43.9% | $82,637+3.2% |
| Participation rate | 46.9% | 66.5%-19.7pp | 77.8%-30.9pp | 68.1%-21.2pp |
| Annual return | 19.04% | 32.56%-13.5pp | 66.36%-47.3pp | 53.51%-34.5pp |
| Employer contribution / active EE | $1,009 | $2,622-61.5% | $4,175-75.8% | $2,552-60.5% |
| Participant deferral / active EE | $2,525 | $3,206-21.2% | $5,451-53.7% | $4,126-38.8% |
| Admin fee / account holder | $2,552 | $6,405-60.2% | $14,497-82.4% | $7,339-65.2% |