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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 | $146,503 | $57,140+156.4% | $85,240+71.9% | $80,959+81.0% |
| Participation rate | 23.3% | 56.4%-33.2pp | 67.5%-44.3pp | 67.7%-44.4pp |
| Annual return | 18.72% | 21.71%-3.0pp | 66.75%-48.0pp | 35.67%-17.0pp |
| Employer contribution / active EE | $397 | $1,802-77.9% | $2,735-85.5% | $2,757-85.6% |
| Participant deferral / active EE | $3,910 | $3,115+25.5% | $4,527-13.6% | $4,300-9.1% |
| Admin fee / account holder | $2,473 | $4,992-50.5% | $6,165-59.9% | $6,925-64.3% |