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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 | $122,281 | $88,707+37.8% | $74,184+64.8% | $273,972-55.4% |
| Participation rate | 65.0% | 79.4%-14.4pp | 76.6%-11.6pp | 83.0%-18.0pp |
| Annual return | 8.01% | 11.94%-3.9pp | 17.74%-9.7pp | 41.46%-33.4pp |
| Employer contribution / active EE | $2,984 | $3,159-5.6% | $2,370+25.9% | $4,869-38.7% |
| Participant deferral / active EE | $4,477 | $4,212+6.3% | $3,550+26.1% | $5,287-15.3% |
| Admin fee / account holder | $1,424 | $8,717-83.7% | $5,586-74.5% | $10,133-85.9% |