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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 | $130,242 | $62,592+108.1% | $85,709+52.0% | $85,847+51.7% |
| Participation rate | 55.0% | 61.1%-6.1pp | 69.9%-14.9pp | 69.3%-14.3pp |
| Annual return | 11.41% | 23.77%-12.4pp | 21.49%-10.1pp | 318.61%-307.2pp |
| Employer contribution / active EE | $1,150 | $1,755-34.5% | $2,619-56.1% | $2,565-55.2% |
| Participant deferral / active EE | $3,237 | $2,802+15.5% | $3,924-17.5% | $3,952-18.1% |
| Admin fee / account holder | $1,301 | $4,643-72.0% | $6,876-81.1% | $6,261-79.2% |