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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 | $106,549 | $81,504+30.7% | $102,437+4.0% | $80,959+31.6% |
| Participation rate | 59.3% | 66.9%-7.6pp | 74.5%-15.2pp | 67.7%-8.4pp |
| Annual return | 10.99% | 25.60%-14.6pp | 24.95%-14.0pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,631 | $3,104-47.5% | $3,871-57.9% | $2,757-40.9% |
| Participant deferral / active EE | $2,916 | $3,871-24.7% | $5,060-42.4% | $4,300-32.2% |
| Admin fee / account holder | $4,131 | $6,719-38.5% | $8,388-50.7% | $6,925-40.3% |