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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 | $104,507 | $71,215+46.7% | $93,696+11.5% | $80,935+29.1% |
| Participation rate | 45.8% | 60.4%-14.6pp | 68.7%-22.9pp | 67.7%-21.8pp |
| Annual return | 18.77% | 11.27%+7.5pp | 133.74%-115.0pp | 35.66%-16.9pp |
| Employer contribution / active EE | $1,149 | $1,565-26.6% | $2,422-52.6% | $2,757-58.3% |
| Participant deferral / active EE | $2,667 | $4,037-33.9% | $4,417-39.6% | $4,299-38.0% |
| Admin fee / account holder | $3,125 | $6,958-55.1% | $8,287-62.3% | $6,924-54.9% |