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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 | $114,771 | $72,607+58.1% | $90,259+27.2% | $87,485+31.2% |
| Participation rate | 45.3% | 64.8%-19.5pp | 70.7%-25.4pp | 68.9%-23.6pp |
| Annual return | 13.88% | 18.59%-4.7pp | 18.88%-5.0pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,230 | $1,919-35.9% | $2,291-46.3% | $2,596-52.6% |
| Participant deferral / active EE | $3,463 | $3,055+13.4% | $3,827-9.5% | $4,274-19.0% |
| Admin fee / account holder | $3,854 | $5,947-35.2% | $7,267-47.0% | $7,775-50.4% |