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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 | $143,392 | $93,064+54.1% | $74,577+92.3% | $273,972-47.7% |
| Participation rate | 46.2% | 74.9%-28.8pp | 68.1%-22.0pp | 83.0%-36.9pp |
| Annual return | 5.60% | 26.18%-20.6pp | 20.47%-14.9pp | 41.46%-35.9pp |
| Employer contribution / active EE | $251 | $3,160-92.0% | $2,525-90.0% | $4,869-94.8% |
| Participant deferral / active EE | $6,811 | $4,160+63.7% | $3,458+96.9% | $5,287+28.8% |
| Admin fee / account holder | $1,171 | $5,273-77.8% | $4,138-71.7% | $10,133-88.4% |