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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 | $98,613 | $57,119+72.6% | $85,187+15.8% | $80,935+21.8% |
| Participation rate | 48.9% | 56.4%-7.5pp | 67.5%-18.6pp | 67.7%-18.7pp |
| Annual return | 12.23% | 21.70%-9.5pp | 66.67%-54.4pp | 35.66%-23.4pp |
| Employer contribution / active EE | $1,418 | $1,802-21.3% | $2,732-48.1% | $2,757-48.5% |
| Participant deferral / active EE | $3,525 | $3,115+13.2% | $4,525-22.1% | $4,299-18.0% |
| Admin fee / account holder | $3,450 | $4,990-30.9% | $6,162-44.0% | $6,924-50.2% |