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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 | $106,066 | $75,541+40.4% | $152,093-30.3% | $82,637+28.4% |
| Participation rate | 50.0% | 66.5%-16.5pp | 77.8%-27.8pp | 68.1%-18.1pp |
| Annual return | 15.36% | 32.56%-17.2pp | 66.36%-51.0pp | 53.51%-38.1pp |
| Employer contribution / active EE | $1,781 | $2,622-32.1% | $4,175-57.3% | $2,552-30.2% |
| Participant deferral / active EE | $3,783 | $3,206+18.0% | $5,451-30.6% | $4,126-8.3% |
| Admin fee / account holder | $4,732 | $6,405-26.1% | $14,497-67.4% | $7,339-35.5% |