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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 | $89,683 | $72,486+23.7% | $87,103+3.0% | $72,976+22.9% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 17.48% | 24.46%-7.0pp | 28.19%-10.7pp | 81.02%-63.5pp |
| Employer contribution / active EE | $2,206 | $1,894+16.5% | $2,521-12.5% | $2,440-9.6% |
| Participant deferral / active EE | $3,303 | $3,270+1.0% | $4,049-18.4% | $3,608-8.4% |
| Admin fee / account holder | $17,054 | $5,055+237.4% | $7,491+127.6% | $5,124+232.8% |