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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 | $89,463 | $55,932+59.9% | $76,735+16.6% | $67,986+31.6% |
| Participation rate | 34.4% | 50.8%-16.4pp | 69.5%-35.1pp | 57.2%-22.8pp |
| Annual return | 15.53% | 23.10%-7.6pp | 29.77%-14.2pp | 31.67%-16.1pp |
| Employer contribution / active EE | $1,130 | $1,487-24.0% | $2,454-54.0% | $2,019-44.0% |
| Participant deferral / active EE | $2,129 | $2,558-16.8% | $4,088-47.9% | $3,358-36.6% |
| Admin fee / account holder | $6,169 | $4,907+25.7% | $7,189-14.2% | $3,203+92.6% |