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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 | $113,049 | $87,037+29.9% | $106,201+6.4% | $80,874+39.8% |
| Participation rate | 66.7% | 70.4%-3.8pp | 75.3%-8.6pp | 67.6%-1.0pp |
| Annual return | 16.81% | 17.05%-0.2pp | 116.26%-99.5pp | 35.62%-18.8pp |
| Employer contribution / active EE | $2,904 | $2,396+21.2% | $3,170-8.4% | $2,756+5.4% |
| Participant deferral / active EE | $8,052 | $3,986+102.0% | $5,012+60.6% | $4,297+87.4% |
| Admin fee / account holder | $3,591 | $8,434-57.4% | $11,039-67.5% | $6,935-48.2% |