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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 | $118,468 | $35,986+229.2% | $77,552+52.8% | $73,497+61.2% |
| Participation rate | 21.2% | 40.8%-19.7pp | 54.2%-33.0pp | 70.7%-49.5pp |
| Annual return | 15.58% | 19.26%-3.7pp | 54.82%-39.2pp | 28.51%-12.9pp |
| Employer contribution / active EE | $358 | $557-35.7% | $987-63.7% | $2,270-84.2% |
| Participant deferral / active EE | $1,075 | $1,198-10.2% | $1,861-42.2% | $3,740-71.3% |
| Admin fee / account holder | $5,774 | $466+1139.6% | $2,859+102.0% | $513+1025.4% |