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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 | $142,652 | $79,894+78.6% | $135,792+5.1% | $82,637+72.6% |
| Participation rate | 53.8% | 63.0%-9.2pp | 72.6%-18.7pp | 68.1%-14.2pp |
| Annual return | 16.78% | 17.20%-0.4pp | 25.96%-9.2pp | 53.51%-36.7pp |
| Employer contribution / active EE | $1,281 | $2,165-40.8% | $3,496-63.3% | $2,552-49.8% |
| Participant deferral / active EE | $3,295 | $3,194+3.2% | $4,759-30.8% | $4,126-20.2% |
| Admin fee / account holder | $942 | $6,434-85.4% | $12,266-92.3% | $7,339-87.2% |