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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 | $69,273+33.5% | $90,796+1.8% | $82,637+11.9% |
| Participation rate | 60.6% | 64.0%-3.4pp | 69.5%-8.9pp | 68.1%-7.4pp |
| Annual return | 13.00% | 18.37%-5.4pp | 19.29%-6.3pp | 53.51%-40.5pp |
| Employer contribution / active EE | $2,262 | $1,865+21.3% | $2,294-1.4% | $2,552-11.4% |
| Participant deferral / active EE | $4,260 | $3,047+39.8% | $3,822+11.5% | $4,126+3.2% |
| Admin fee / account holder | $1,903 | $5,511-65.5% | $7,024-72.9% | $7,339-74.1% |