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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 | $117,055 | $79,961+46.4% | $98,462+18.9% | $75,177+55.7% |
| Participation rate | 56.3% | 70.4%-14.1pp | 75.2%-18.9pp | 67.2%-11.0pp |
| Annual return | 23.65% | 19.75%+3.9pp | 21.17%+2.5pp | 160.75%-137.1pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,819 | $3,753-51.5% | $4,738-61.6% | $4,126-55.9% |
| Admin fee / account holder | $2,489 | $6,842-63.6% | $8,875-72.0% | $5,651-56.0% |