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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 | $114,077 | $75,541+51.0% | $152,093-25.0% | $82,637+38.0% |
| Participation rate | 28.1% | 66.5%-38.4pp | 77.8%-49.6pp | 68.1%-39.9pp |
| Annual return | 16.12% | 32.56%-16.4pp | 66.36%-50.2pp | 53.51%-37.4pp |
| Employer contribution / active EE | $1,696 | $2,622-35.3% | $4,175-59.4% | $2,552-33.5% |
| Participant deferral / active EE | $4,116 | $3,206+28.4% | $5,451-24.5% | $4,126-0.2% |
| Admin fee / account holder | $5,763 | $6,405-10.0% | $14,497-60.2% | $7,339-21.5% |