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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 | $137,472 | $95,453+44.0% | $112,040+22.7% | $82,448+66.7% |
| Participation rate | 53.2% | 72.8%-19.5pp | 76.5%-23.3pp | 68.1%-14.8pp |
| Annual return | 12.41% | 23.92%-11.5pp | 24.52%-12.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $709 | $2,318-69.4% | $2,954-76.0% | $2,551-72.2% |
| Participant deferral / active EE | $3,546 | $4,224-16.0% | $5,098-30.4% | $4,139-14.3% |
| Admin fee / account holder | $5,438 | $9,013-39.7% | $12,098-55.0% | $7,234-24.8% |