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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 | $124,510 | $71,215+74.8% | $93,696+32.9% | $80,935+53.8% |
| Participation rate | 54.8% | 60.4%-5.6pp | 68.7%-13.9pp | 67.7%-12.8pp |
| Annual return | 14.20% | 11.27%+2.9pp | 133.74%-119.5pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,506 | $1,565-3.8% | $2,422-37.8% | $2,757-45.4% |
| Participant deferral / active EE | $3,620 | $4,037-10.3% | $4,417-18.0% | $4,299-15.8% |
| Admin fee / account holder | $1,358 | $6,958-80.5% | $8,287-83.6% | $6,924-80.4% |