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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 | $114,966 | $59,804+92.2% | $81,982+40.2% | $79,856+44.0% |
| Participation rate | 52.5% | 61.6%-9.1pp | 69.3%-16.8pp | 69.6%-17.1pp |
| Annual return | 15.07% | 17.56%-2.5pp | 41.31%-26.2pp | 31.71%-16.6pp |
| Employer contribution / active EE | $1,145 | $1,713-33.2% | $2,498-54.2% | $2,471-53.7% |
| Participant deferral / active EE | $2,687 | $2,695-0.3% | $3,722-27.8% | $3,741-28.2% |
| Admin fee / account holder | $1,396 | $4,288-67.4% | $5,665-75.4% | $5,306-73.7% |