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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 | $99,930 | $67,602+47.8% | $82,312+21.4% | $70,126+42.5% |
| Participation rate | 45.2% | 72.8%-27.5pp | 76.9%-31.7pp | 69.5%-24.3pp |
| Annual return | 12.98% | 21.57%-8.6pp | 25.88%-12.9pp | 73.15%-60.2pp |
| Employer contribution / active EE | $2,235 | $1,755+27.4% | $2,428-8.0% | $2,343-4.6% |
| Participant deferral / active EE | $3,703 | $2,987+24.0% | $3,706-0.1% | $3,332+11.2% |
| Admin fee / account holder | $1,337 | $4,512-70.4% | $5,608-76.2% | $4,645-71.2% |