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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 | $103,409 | $48,118+114.9% | $136,833-24.4% | $94,015+10.0% |
| Participation rate | 55.6% | 47.4%+8.2pp | 59.0%-3.5pp | 70.8%-15.3pp |
| Annual return | 17.49% | 14.65%+2.8pp | 35.32%-17.8pp | 17.84%-0.4pp |
| Employer contribution / active EE | $1,540 | $821+87.6% | $1,319+16.8% | $2,790-44.8% |
| Participant deferral / active EE | $2,779 | $1,651+68.3% | $2,441+13.8% | $4,249-34.6% |
| Admin fee / account holder | $3,004 | $3,059-1.8% | $4,706-36.2% | $8,951-66.4% |