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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 | $84,200 | $58,627+43.6% | $76,735+9.7% | $82,448+2.1% |
| Participation rate | 64.3% | 63.2%+1.1pp | 69.5%-5.2pp | 68.1%-3.8pp |
| Annual return | 13.56% | 39.10%-25.5pp | 29.77%-16.2pp | 41.64%-28.1pp |
| Employer contribution / active EE | $1,941 | $1,729+12.2% | $2,454-20.9% | $2,551-23.9% |
| Participant deferral / active EE | $3,883 | $3,134+23.9% | $4,088-5.0% | $4,139-6.2% |
| Admin fee / account holder | $4,558 | $5,323-14.4% | $7,189-36.6% | $7,234-37.0% |