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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 | $125,365 | $36,948+239.3% | $73,658+70.2% | $87,485+43.3% |
| Participation rate | 20.0% | 46.8%-26.8pp | 57.0%-37.0pp | 68.9%-48.9pp |
| Annual return | 24.09% | 28.64%-4.5pp | 29.72%-5.6pp | 26.06%-2.0pp |
| Employer contribution / active EE | $413 | $670-38.4% | $1,032-60.0% | $2,596-84.1% |
| Participant deferral / active EE | $1,585 | $1,379+15.0% | $2,062-23.1% | $4,274-62.9% |
| Admin fee / account holder | $1,425 | $2,531-43.7% | $3,357-57.6% | $7,775-81.7% |