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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 | $81,446+30.8% | $103,374+3.1% | $80,874+31.7% |
| Participation rate | 59.3% | 66.9%-7.6pp | 74.5%-15.3pp | 67.6%-8.4pp |
| Annual return | 10.99% | 25.57%-14.6pp | 24.89%-13.9pp | 35.62%-24.6pp |
| Employer contribution / active EE | $1,631 | $3,107-47.5% | $3,869-57.9% | $2,756-40.8% |
| Participant deferral / active EE | $2,916 | $3,870-24.6% | $5,058-42.3% | $4,297-32.1% |
| Admin fee / account holder | $4,131 | $6,715-38.5% | $8,394-50.8% | $6,935-40.4% |