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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 | $119,561 | $72,273+65.4% | $101,275+18.1% | $79,856+49.7% |
| Participation rate | 26.3% | 68.5%-42.1pp | 75.8%-49.5pp | 69.6%-43.3pp |
| Annual return | 13.75% | 22.30%-8.5pp | 46.48%-32.7pp | 31.71%-18.0pp |
| Employer contribution / active EE | $1,063 | $2,691-60.5% | $3,660-71.0% | $2,471-57.0% |
| Participant deferral / active EE | $2,407 | $3,282-26.6% | $4,371-44.9% | $3,741-35.6% |
| Admin fee / account holder | $3,089 | $4,401-29.8% | $5,948-48.1% | $5,306-41.8% |