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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 | $93,850 | $72,273+29.9% | $101,275-7.3% | $79,856+17.5% |
| Participation rate | 36.5% | 68.5%-32.0pp | 75.8%-39.3pp | 69.6%-33.2pp |
| Annual return | 19.48% | 22.30%-2.8pp | 46.48%-27.0pp | 31.71%-12.2pp |
| Employer contribution / active EE | $1,349 | $2,691-49.9% | $3,660-63.2% | $2,471-45.4% |
| Participant deferral / active EE | $1,745 | $3,282-46.8% | $4,371-60.1% | $3,741-53.3% |
| Admin fee / account holder | $833 | $4,401-81.1% | $5,948-86.0% | $5,306-84.3% |