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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 | $105,312 | $96,558+9.1% | $80,977+30.1% | $273,972-61.6% |
| Participation rate | 47.1% | 79.1%-32.0pp | 75.8%-28.8pp | 83.0%-36.0pp |
| Annual return | 27.83% | 15.14%+12.7pp | 17.11%+10.7pp | 41.46%-13.6pp |
| Employer contribution / active EE | $1,243 | $4,869-74.5% | $3,715-66.5% | $4,869-74.5% |
| Participant deferral / active EE | $4,012 | $6,598-39.2% | $5,696-29.6% | $5,287-24.1% |
| Admin fee / account holder | $1,767 | $7,493-76.4% | $5,517-68.0% | $10,133-82.6% |