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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 | $80,090 | $56,894+40.8% | $84,753-5.5% | $62,881+27.4% |
| Participation rate | 48.4% | 68.5%-20.2pp | 76.6%-28.2pp | 69.3%-20.9pp |
| Annual return | 5.36% | 6.30%-0.9pp | 22.78%-17.4pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,427 | $2,400-40.5% | $3,574-60.1% | $2,281-37.4% |
| Participant deferral / active EE | $5,360 | $2,709+97.8% | $3,712+44.4% | $3,203+67.3% |
| Admin fee / account holder | $1,693 | $3,581-52.7% | $5,333-68.2% | $4,296-60.6% |