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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 | $116,156 | $36,948+214.4% | $73,658+57.7% | $87,485+32.8% |
| Participation rate | 52.0% | 46.8%+5.2pp | 57.0%-5.0pp | 68.9%-16.9pp |
| Annual return | 18.41% | 28.64%-10.2pp | 29.72%-11.3pp | 26.06%-7.6pp |
| Employer contribution / active EE | $249 | $670-62.9% | $1,032-75.9% | $2,596-90.4% |
| Participant deferral / active EE | $1,377 | $1,379-0.2% | $2,062-33.2% | $4,274-67.8% |
| Admin fee / account holder | $2,171 | $2,531-14.2% | $3,357-35.3% | $7,775-72.1% |