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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 | $120,577 | $81,504+47.9% | $102,437+17.7% | $80,959+48.9% |
| Participation rate | 57.1% | 66.9%-9.7pp | 74.5%-17.4pp | 67.7%-10.5pp |
| Annual return | 12.76% | 25.60%-12.8pp | 24.95%-12.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,655 | $3,104-46.7% | $3,871-57.2% | $2,757-40.0% |
| Participant deferral / active EE | $4,661 | $3,871+20.4% | $5,060-7.9% | $4,300+8.4% |
| Admin fee / account holder | $395 | $6,719-94.1% | $8,388-95.3% | $6,925-94.3% |