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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 | $92,457 | $67,894+36.2% | $89,340+3.5% | $82,448+12.1% |
| Participation rate | 60.6% | 64.0%-3.4pp | 69.6%-9.0pp | 68.1%-7.5pp |
| Annual return | 13.00% | 19.21%-6.2pp | 20.57%-7.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $2,262 | $1,828+23.8% | $2,231+1.4% | $2,551-11.3% |
| Participant deferral / active EE | $4,260 | $3,072+38.7% | $3,823+11.4% | $4,139+2.9% |
| Admin fee / account holder | $1,903 | $5,723-66.8% | $6,704-71.6% | $7,234-73.7% |