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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 | $138,891 | $57,140+143.1% | $85,240+62.9% | $80,959+71.6% |
| Participation rate | 38.3% | 56.4%-18.1pp | 67.5%-29.2pp | 67.7%-29.4pp |
| Annual return | 12.85% | 21.71%-8.9pp | 66.75%-53.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $884 | $1,802-50.9% | $2,735-67.7% | $2,757-67.9% |
| Participant deferral / active EE | $2,211 | $3,115-29.0% | $4,527-51.2% | $4,300-48.6% |
| Admin fee / account holder | $2,762 | $4,992-44.7% | $6,165-55.2% | $6,925-60.1% |