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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 | $84,946 | $72,273+17.5% | $101,275-16.1% | $79,856+6.4% |
| Participation rate | 62.5% | 68.5%-6.0pp | 75.8%-13.3pp | 69.6%-7.1pp |
| Annual return | 13.13% | 22.30%-9.2pp | 46.48%-33.3pp | 31.71%-18.6pp |
| Employer contribution / active EE | $1,867 | $2,691-30.6% | $3,660-49.0% | $2,471-24.4% |
| Participant deferral / active EE | $3,417 | $3,282+4.1% | $4,371-21.8% | $3,741-8.6% |
| Admin fee / account holder | $4,275 | $4,401-2.9% | $5,948-28.1% | $5,306-19.4% |