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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 | $138,008 | $56,894+142.6% | $84,753+62.8% | $62,881+119.5% |
| Participation rate | 51.5% | 68.5%-17.0pp | 76.6%-25.1pp | 69.3%-17.8pp |
| Annual return | 5.26% | 6.30%-1.0pp | 22.78%-17.5pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,636 | $2,400-31.8% | $3,574-54.2% | $2,281-28.3% |
| Participant deferral / active EE | $4,156 | $2,709+53.4% | $3,712+12.0% | $3,203+29.7% |
| Admin fee / account holder | $2,096 | $3,581-41.5% | $5,333-60.7% | $4,296-51.2% |