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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 | $57,073+156.7% | $85,126+72.1% | $80,925+81.0% |
| Participation rate | 23.3% | 56.4%-33.1pp | 67.5%-44.3pp | 67.7%-44.4pp |
| Annual return | 18.72% | 21.69%-3.0pp | 66.63%-47.9pp | 35.65%-16.9pp |
| Employer contribution / active EE | $397 | $1,801-77.9% | $2,731-85.5% | $2,756-85.6% |
| Participant deferral / active EE | $3,910 | $3,113+25.6% | $4,523-13.6% | $4,299-9.0% |
| Admin fee / account holder | $2,473 | $4,988-50.4% | $6,160-59.9% | $6,940-64.4% |