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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 | $125,512 | $101,795+23.3% | $165,100-24.0% | $80,959+55.0% |
| Participation rate | 50.0% | 71.8%-21.8pp | 78.6%-28.6pp | 67.7%-17.7pp |
| Annual return | 14.65% | 16.73%-2.1pp | 70.21%-55.6pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,253 | $2,954-57.6% | $4,348-71.2% | $2,757-54.6% |
| Participant deferral / active EE | $3,643 | $4,476-18.6% | $6,035-39.6% | $4,300-15.3% |
| Admin fee / account holder | $8,718 | $8,221+6.0% | $12,696-31.3% | $6,925+25.9% |