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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 | $135,120 | $93,617+44.3% | $135,982-0.6% | $75,177+79.7% |
| Participation rate | 48.7% | 75.2%-26.5pp | 81.9%-33.2pp | 67.2%-18.5pp |
| Annual return | 23.58% | 30.89%-7.3pp | 68.32%-44.7pp | 160.75%-137.2pp |
| Employer contribution / active EE | $1,641 | $3,538-53.6% | $4,859-66.2% | $2,671-38.6% |
| Participant deferral / active EE | $3,877 | $6,406-39.5% | $7,760-50.0% | $4,126-6.0% |
| Admin fee / account holder | $1,750 | $6,980-74.9% | $10,767-83.7% | $5,651-69.0% |