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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 | $95,661 | $77,677+23.2% | $109,188-12.4% | $79,389+20.5% |
| Participation rate | 69.5% | 67.8%+1.7pp | 75.9%-6.4pp | 70.7%-1.2pp |
| Annual return | 12.95% | 23.44%-10.5pp | 25.76%-12.8pp | 116.89%-103.9pp |
| Employer contribution / active EE | $1,623 | $2,798-42.0% | $3,723-56.4% | $2,428-33.2% |
| Participant deferral / active EE | $5,812 | $3,517+65.2% | $4,654+24.9% | $4,046+43.7% |
| Admin fee / account holder | $6,295 | $732+759.4% | $6,755-6.8% | $626+904.9% |