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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 | $82,404 | $58,057+41.9% | $97,032-15.1% | $86,983-5.3% |
| Participation rate | 54.3% | 60.4%-6.1pp | 71.6%-17.3pp | 69.5%-15.3pp |
| Annual return | 19.13% | 22.26%-3.1pp | 35.38%-16.2pp | 25.83%-6.7pp |
| Employer contribution / active EE | $2,205 | $1,663+32.6% | $2,629-16.1% | $2,584-14.7% |
| Participant deferral / active EE | $4,889 | $3,244+50.7% | $4,672+4.6% | $4,194+16.6% |
| Admin fee / account holder | $6,866 | $4,839+41.9% | $9,418-27.1% | $7,856-12.6% |