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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 | $153,889 | $58,493+163.1% | $84,023+83.2% | $72,976+110.9% |
| Participation rate | 39.4% | 61.2%-21.8pp | 69.0%-29.6pp | 69.5%-30.1pp |
| Annual return | 21.76% | 28.93%-7.2pp | 71.32%-49.6pp | 81.02%-59.3pp |
| Employer contribution / active EE | $1,047 | $1,163-10.0% | $1,984-47.2% | $2,440-57.1% |
| Participant deferral / active EE | $1,680 | $2,394-29.8% | $3,239-48.1% | $3,608-53.4% |
| Admin fee / account holder | $4,383 | $4,569-4.1% | $6,102-28.2% | $5,124-14.5% |