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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 | $132,999 | $81,457+63.3% | $103,378+28.7% | $80,911+64.4% |
| Participation rate | 40.0% | 66.8%-26.8pp | 74.5%-34.5pp | 67.6%-27.6pp |
| Annual return | 13.30% | 25.58%-12.3pp | 24.91%-11.6pp | 35.63%-22.3pp |
| Employer contribution / active EE | $1,960 | $3,107-36.9% | $3,870-49.4% | $2,756-28.9% |
| Participant deferral / active EE | $4,341 | $3,871+12.1% | $5,058-14.2% | $4,297+1.0% |
| Admin fee / account holder | $2,027 | $6,717-69.8% | $8,401-75.9% | $6,935-70.8% |