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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 | $110,862 | $78,672+40.9% | $109,163+1.6% | $85,856+29.1% |
| Participation rate | 34.7% | 68.3%-33.6pp | 75.9%-41.2pp | 69.3%-34.7pp |
| Annual return | 12.86% | 25.09%-12.2pp | 25.75%-12.9pp | 318.58%-305.7pp |
| Employer contribution / active EE | $1,488 | $2,734-45.6% | $3,723-60.0% | $2,565-42.0% |
| Participant deferral / active EE | $1,681 | $3,467-51.5% | $4,654-63.9% | $3,952-57.5% |
| Admin fee / account holder | $2,574 | $5,470-52.9% | $6,754-61.9% | $6,261-58.9% |