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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 | $79,303 | $36,948+114.6% | $73,658+7.7% | $87,485-9.4% |
| Participation rate | 34.6% | 46.8%-12.3pp | 57.0%-22.5pp | 68.9%-34.4pp |
| Annual return | 21.03% | 28.64%-7.6pp | 29.72%-8.7pp | 26.06%-5.0pp |
| Employer contribution / active EE | $1,697 | $670+153.3% | $1,032+64.4% | $2,596-34.6% |
| Participant deferral / active EE | $3,263 | $1,379+136.6% | $2,062+58.3% | $4,274-23.6% |
| Admin fee / account holder | $4,199 | $2,531+65.9% | $3,357+25.1% | $7,775-46.0% |