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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 | $161,122 | $139,421+15.6% | $239,577-32.7% | $116,462+38.3% |
| Participation rate | 44.4% | 75.0%-30.5pp | 82.1%-37.7pp | 74.7%-30.2pp |
| Annual return | 11.86% | 15.58%-3.7pp | -0.70%+12.6pp | 15.65%-3.8pp |
| Employer contribution / active EE | $1,778 | $4,487-60.4% | $7,232-75.4% | $3,231-45.0% |
| Participant deferral / active EE | $3,706 | $4,296-13.7% | $5,676-34.7% | $3,836-3.4% |
| Admin fee / account holder | $6,842 | $21,515-68.2% | $19,315-64.6% | $12,754-46.4% |