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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 | $162,461 | $81,446+99.5% | $103,374+57.2% | $80,874+100.9% |
| Participation rate | 38.0% | 66.9%-28.9pp | 74.5%-36.5pp | 67.6%-29.6pp |
| Annual return | 31.75% | 25.57%+6.2pp | 24.89%+6.9pp | 35.62%-3.9pp |
| Employer contribution / active EE | $1,706 | $3,107-45.1% | $3,869-55.9% | $2,756-38.1% |
| Participant deferral / active EE | $3,633 | $3,870-6.1% | $5,058-28.2% | $4,297-15.4% |
| Admin fee / account holder | $2,892 | $6,715-56.9% | $8,394-65.5% | $6,935-58.3% |