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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 | $118,194 | $65,367+80.8% | $92,915+27.2% | $72,976+62.0% |
| Participation rate | 34.5% | 68.3%-33.8pp | 76.0%-41.5pp | 69.5%-35.0pp |
| Annual return | 23.56% | 42.11%-18.5pp | 109.45%-85.9pp | 81.02%-57.5pp |
| Employer contribution / active EE | $1,023 | $2,594-60.6% | $3,653-72.0% | $2,440-58.1% |
| Participant deferral / active EE | $2,996 | $3,128-4.2% | $4,238-29.3% | $3,608-17.0% |
| Admin fee / account holder | $5,276 | $4,251+24.1% | $5,796-9.0% | $5,124+3.0% |