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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 | $128,515 | $54,541+135.6% | $78,778+63.1% | $70,131+83.2% |
| Participation rate | 37.5% | 60.8%-23.3pp | 69.2%-31.7pp | 69.5%-32.0pp |
| Annual return | 12.34% | 21.07%-8.7pp | 35.62%-23.3pp | 73.14%-60.8pp |
| Employer contribution / active EE | $979 | $1,089-10.0% | $1,986-50.7% | $2,342-58.2% |
| Participant deferral / active EE | $1,689 | $2,210-23.6% | $2,958-42.9% | $3,332-49.3% |
| Admin fee / account holder | $13,247 | $3,709+257.2% | $5,134+158.0% | $4,645+185.2% |