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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 | $98,204 | $54,541+80.1% | $78,778+24.7% | $70,126+40.0% |
| Participation rate | 69.8% | 60.8%+9.0pp | 69.2%+0.6pp | 69.5%+0.3pp |
| Annual return | 16.84% | 21.07%-4.2pp | 35.62%-18.8pp | 73.15%-56.3pp |
| Employer contribution / active EE | $1,311 | $1,089+20.5% | $1,986-34.0% | $2,343-44.0% |
| Participant deferral / active EE | $3,161 | $2,210+43.0% | $2,958+6.8% | $3,332-5.1% |
| Admin fee / account holder | $1,383 | $3,709-62.7% | $5,134-73.1% | $4,645-70.2% |