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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 | $81,504+99.3% | $102,437+58.6% | $80,959+100.7% |
| Participation rate | 38.0% | 66.9%-28.9pp | 74.5%-36.5pp | 67.7%-29.7pp |
| Annual return | 31.75% | 25.60%+6.2pp | 24.95%+6.8pp | 35.67%-3.9pp |
| Employer contribution / active EE | $1,706 | $3,104-45.0% | $3,871-55.9% | $2,757-38.1% |
| Participant deferral / active EE | $3,633 | $3,871-6.1% | $5,060-28.2% | $4,300-15.5% |
| Admin fee / account holder | $2,892 | $6,719-57.0% | $8,388-65.5% | $6,925-58.2% |