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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 | $140,233 | $95,762+46.4% | $379,746-63.1% | $79,852+75.6% |
| Participation rate | 57.1% | 74.0%-16.8pp | 78.4%-21.3pp | 69.6%-12.5pp |
| Annual return | 15.96% | 18.26%-2.3pp | 34.90%-18.9pp | 31.72%-15.8pp |
| Employer contribution / active EE | $735 | $2,695-72.7% | $3,540-79.2% | $2,471-70.2% |
| Participant deferral / active EE | $3,787 | $4,705-19.5% | $6,024-37.1% | $3,740+1.2% |
| Admin fee / account holder | $11,869 | $6,745+76.0% | $7,927+49.7% | $5,306+123.7% |