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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 | $109,938 | $77,472+41.9% | $100,415+9.5% | $80,959+35.8% |
| Participation rate | 65.2% | 76.9%-11.7pp | 81.5%-16.3pp | 67.7%-2.5pp |
| Annual return | 17.14% | 37.26%-20.1pp | 49.47%-32.3pp | 35.67%-18.5pp |
| Employer contribution / active EE | $1,986 | $2,800-29.1% | $3,943-49.6% | $2,757-28.0% |
| Participant deferral / active EE | $4,030 | $6,818-40.9% | $8,091-50.2% | $4,300-6.3% |
| Admin fee / account holder | $1,003 | $5,885-83.0% | $7,906-87.3% | $6,925-85.5% |