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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 | $164,063 | $55,902+193.5% | $76,030+115.8% | $80,959+102.6% |
| Participation rate | 48.9% | 62.1%-13.1pp | 69.1%-20.1pp | 67.7%-18.7pp |
| Annual return | 10.32% | 20.59%-10.3pp | 361.54%-351.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,209 | $1,867-35.2% | $2,688-55.0% | $2,757-56.2% |
| Participant deferral / active EE | $3,962 | $3,051+29.9% | $4,257-6.9% | $4,300-7.9% |
| Admin fee / account holder | $3,545 | $5,239-32.3% | $6,421-44.8% | $6,925-48.8% |