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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 | $90,334 | $56,894+58.8% | $84,753+6.6% | $62,881+43.7% |
| Participation rate | 30.3% | 68.5%-38.2pp | 76.6%-46.3pp | 69.3%-39.0pp |
| Annual return | 4.87% | 6.30%-1.4pp | 22.78%-17.9pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,414 | $2,400-41.1% | $3,574-60.4% | $2,281-38.0% |
| Participant deferral / active EE | $2,880 | $2,709+6.3% | $3,712-22.4% | $3,203-10.1% |
| Admin fee / account holder | $1,072 | $3,581-70.1% | $5,333-79.9% | $4,296-75.1% |