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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 | $117,788 | $63,314+86.0% | $91,004+29.4% | $62,293+89.1% |
| Participation rate | 43.6% | 73.3%-29.8pp | 75.6%-32.0pp | 69.5%-26.0pp |
| Annual return | 17.28% | 21.00%-3.7pp | 4.60%+12.7pp | 28.90%-11.6pp |
| Employer contribution / active EE | $693 | $1,807-61.7% | $2,456-71.8% | $2,042-66.1% |
| Participant deferral / active EE | $2,584 | $2,944-12.2% | $3,548-27.2% | $3,169-18.5% |
| Admin fee / account holder | $4,584 | $468+880.3% | $5,417-15.4% | $479+856.2% |