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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 | $154,235 | $81,504+89.2% | $102,437+50.6% | $80,959+90.5% |
| Participation rate | 41.5% | 66.9%-25.4pp | 74.5%-33.0pp | 67.7%-26.2pp |
| Annual return | 17.57% | 25.60%-8.0pp | 24.95%-7.4pp | 35.67%-18.1pp |
| Employer contribution / active EE | $1,644 | $3,104-47.0% | $3,871-57.5% | $2,757-40.4% |
| Participant deferral / active EE | $5,657 | $3,871+46.1% | $5,060+11.8% | $4,300+31.5% |
| Admin fee / account holder | $3,785 | $6,719-43.7% | $8,388-54.9% | $6,925-45.3% |