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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 | $212,986 | $57,590+269.8% | $86,233+147.0% | $82,448+158.3% |
| Participation rate | 45.5% | 57.9%-12.4pp | 69.0%-23.6pp | 68.1%-22.6pp |
| Annual return | 16.90% | 22.41%-5.5pp | 61.39%-44.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,162 | $1,655-29.8% | $2,504-53.6% | $2,551-54.4% |
| Participant deferral / active EE | $3,643 | $3,080+18.3% | $4,559-20.1% | $4,139-12.0% |
| Admin fee / account holder | $7,037 | $4,730+48.8% | $8,342-15.6% | $7,234-2.7% |