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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 | $97,369 | $57,140+70.4% | $85,240+14.2% | $80,959+20.3% |
| Participation rate | 34.0% | 56.4%-22.4pp | 67.5%-33.5pp | 67.7%-33.7pp |
| Annual return | 10.73% | 21.71%-11.0pp | 66.75%-56.0pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,591 | $1,802-11.7% | $2,735-41.8% | $2,757-42.3% |
| Participant deferral / active EE | $3,459 | $3,115+11.0% | $4,527-23.6% | $4,300-19.6% |
| Admin fee / account holder | $1,071 | $4,992-78.5% | $6,165-82.6% | $6,925-84.5% |