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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 | $71,208+41.9% | $93,681+7.8% | $80,911+24.9% |
| Participation rate | 47.9% | 60.4%-12.5pp | 68.7%-20.8pp | 67.6%-19.7pp |
| Annual return | 15.47% | 11.27%+4.2pp | 133.47%-118.0pp | 35.63%-20.2pp |
| Employer contribution / active EE | $1,988 | $1,564+27.1% | $2,422-17.9% | $2,756-27.9% |
| Participant deferral / active EE | $3,943 | $4,035-2.3% | $4,415-10.7% | $4,297-8.2% |
| Admin fee / account holder | $8,640 | $6,951+24.3% | $8,290+4.2% | $6,935+24.6% |