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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 | $164,490 | $60,349+172.6% | $74,184+121.7% | $62,881+161.6% |
| Participation rate | 66.0% | 72.7%-6.8pp | 76.6%-10.7pp | 69.3%-3.3pp |
| Annual return | 7.64% | 21.38%-13.7pp | 17.74%-10.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,981 | $2,856+39.4% | $3,550+12.2% | $3,203+24.3% |
| Admin fee / account holder | $1,295 | $4,261-69.6% | $5,586-76.8% | $4,296-69.9% |