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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 | $84,201 | $62,164+35.5% | $81,482+3.3% | $74,400+13.2% |
| Participation rate | 28.2% | 64.1%-35.9pp | 69.5%-41.3pp | 67.2%-39.0pp |
| Annual return | 14.01% | 16.50%-2.5pp | 24.79%-10.8pp | 1367.51%-1353.5pp |
| Employer contribution / active EE | $1,120 | $1,884-40.5% | $2,463-54.5% | $2,624-57.3% |
| Participant deferral / active EE | $2,794 | $3,230-13.5% | $3,885-28.1% | $4,348-35.7% |
| Admin fee / account holder | $8,253 | $1,923+329.3% | $5,761+43.3% | $1,944+324.7% |