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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 | $124,379 | $81,504+52.6% | $102,437+21.4% | $80,959+53.6% |
| Participation rate | 44.4% | 66.9%-22.4pp | 74.5%-30.1pp | 67.7%-23.2pp |
| Annual return | 13.16% | 25.60%-12.4pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,991 | $3,104-35.8% | $3,871-48.6% | $2,757-27.8% |
| Participant deferral / active EE | $4,690 | $3,871+21.2% | $5,060-7.3% | $4,300+9.0% |
| Admin fee / account holder | $1,766 | $6,719-73.7% | $8,388-78.9% | $6,925-74.5% |