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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 | $88,966 | $57,140+55.7% | $85,240+4.4% | $80,959+9.9% |
| Participation rate | 40.5% | 56.4%-15.9pp | 67.5%-27.1pp | 67.7%-27.2pp |
| Annual return | 16.44% | 21.71%-5.3pp | 66.75%-50.3pp | 35.67%-19.2pp |
| Employer contribution / active EE | $1,241 | $1,802-31.1% | $2,735-54.6% | $2,757-55.0% |
| Participant deferral / active EE | $3,645 | $3,115+17.0% | $4,527-19.5% | $4,300-15.2% |
| Admin fee / account holder | $1,675 | $4,992-66.4% | $6,165-72.8% | $6,925-75.8% |