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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 | $112,832 | $64,920+73.8% | $103,693+8.8% | $86,983+29.7% |
| Participation rate | 52.2% | 63.6%-11.4pp | 72.6%-20.5pp | 69.5%-17.4pp |
| Annual return | 19.73% | 30.29%-10.6pp | 47.61%-27.9pp | 25.83%-6.1pp |
| Employer contribution / active EE | $1,930 | $2,141-9.9% | $2,920-33.9% | $2,584-25.3% |
| Participant deferral / active EE | $4,473 | $3,241+38.0% | $4,579-2.3% | $4,194+6.7% |
| Admin fee / account holder | $1,816 | $6,191-70.7% | $7,858-76.9% | $7,856-76.9% |