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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 | $135,116 | $83,485+61.8% | $125,180+7.9% | $72,983+85.1% |
| Participation rate | 68.4% | 73.3%-4.9pp | 79.8%-11.4pp | 69.5%-1.1pp |
| Annual return | 23.10% | 25.78%-2.7pp | 43.79%-20.7pp | 81.01%-57.9pp |
| Employer contribution / active EE | $1,673 | $2,346-28.7% | $3,866-56.7% | $2,440-31.4% |
| Participant deferral / active EE | $4,461 | $3,586+24.4% | $4,937-9.7% | $3,608+23.6% |
| Admin fee / account holder | $1,453 | $5,518-73.7% | $9,703-85.0% | $5,124-71.6% |