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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 | $90,831 | $52,836+71.9% | $105,738-14.1% | $64,173+41.5% |
| Participation rate | 27.7% | 66.5%-38.9pp | 76.3%-48.6pp | 69.6%-41.9pp |
| Annual return | 12.49% | 14.30%-1.8pp | 6.27%+6.2pp | 7.63%+4.9pp |
| Employer contribution / active EE | $879 | $1,827-51.9% | $3,268-73.1% | $2,381-63.1% |
| Participant deferral / active EE | $1,481 | $2,545-41.8% | $4,080-63.7% | $3,470-57.3% |
| Admin fee / account holder | $9,921 | $3,959+150.6% | $6,913+43.5% | $4,887+103.0% |