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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 | $165,773 | $83,898+97.6% | $133,346+24.3% | $94,015+76.3% |
| Participation rate | 44.2% | 63.4%-19.2pp | 72.8%-28.7pp | 70.8%-26.6pp |
| Annual return | 11.50% | 16.00%-4.5pp | 36.85%-25.3pp | 17.84%-6.3pp |
| Employer contribution / active EE | $1,013 | $1,821-44.4% | $2,853-64.5% | $2,790-63.7% |
| Participant deferral / active EE | $2,925 | $3,245-9.8% | $4,332-32.5% | $4,249-31.2% |
| Admin fee / account holder | $2,484 | $7,809-68.2% | $14,264-82.6% | $8,951-72.2% |