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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 | $101,018 | $71,230+41.8% | $93,727+7.8% | $80,959+24.8% |
| Participation rate | 47.9% | 60.4%-12.5pp | 68.7%-20.8pp | 67.7%-19.8pp |
| Annual return | 15.47% | 11.26%+4.2pp | 133.83%-118.4pp | 35.67%-20.2pp |
| Employer contribution / active EE | $1,988 | $1,565+27.0% | $2,421-17.9% | $2,757-27.9% |
| Participant deferral / active EE | $3,943 | $4,037-2.3% | $4,417-10.7% | $4,300-8.3% |
| Admin fee / account holder | $8,640 | $6,961+24.1% | $8,292+4.2% | $6,925+24.8% |