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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 | $155,674 | $67,606+130.3% | $82,313+89.1% | $70,124+122.0% |
| Participation rate | 65.4% | 72.8%-7.4pp | 76.9%-11.5pp | 69.5%-4.2pp |
| Annual return | 18.36% | 21.57%-3.2pp | 25.88%-7.5pp | 73.14%-54.8pp |
| Employer contribution / active EE | $776 | $1,755-55.8% | $2,428-68.1% | $2,342-66.9% |
| Participant deferral / active EE | $2,894 | $2,987-3.1% | $3,706-21.9% | $3,332-13.1% |
| Admin fee / account holder | $25,255 | $4,512+459.7% | $5,608+350.3% | $4,645+443.7% |