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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 | $123,310 | $86,938+41.8% | $102,423+20.4% | $80,925+52.4% |
| Participation rate | 59.3% | 72.4%-13.1pp | 76.5%-17.2pp | 67.7%-8.4pp |
| Annual return | 12.57% | 18.89%-6.3pp | 29.42%-16.9pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,687 | $2,369-28.8% | $3,023-44.2% | $2,756-38.8% |
| Participant deferral / active EE | $4,357 | $4,120+5.8% | $5,054-13.8% | $4,299+1.4% |
| Admin fee / account holder | $16,108 | $8,053+100.0% | $9,455+70.4% | $6,940+132.1% |