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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 | $80,026 | $56,110+42.6% | $94,993-15.8% | $70,126+14.1% |
| Participation rate | 46.9% | 65.0%-18.1pp | 73.9%-27.0pp | 69.5%-22.7pp |
| Annual return | 18.44% | 51.02%-32.6pp | 27.14%-8.7pp | 73.15%-54.7pp |
| Employer contribution / active EE | $1,018 | $1,442-29.4% | $2,603-60.9% | $2,343-56.6% |
| Participant deferral / active EE | $2,452 | $2,391+2.6% | $3,317-26.1% | $3,332-26.4% |
| Admin fee / account holder | $5,695 | $3,456+64.8% | $4,960+14.8% | $4,645+22.6% |