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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 | $73,169 | $56,287+30.0% | $80,977-9.6% | $62,881+16.4% |
| Participation rate | 67.7% | 68.9%-1.2pp | 75.8%-8.1pp | 69.3%-1.6pp |
| Annual return | 14.96% | 22.13%-7.2pp | 17.11%-2.1pp | 20.14%-5.2pp |
| Employer contribution / active EE | $416 | $1,943-78.6% | $3,715-88.8% | $2,281-81.8% |
| Participant deferral / active EE | $11,482 | $4,196+173.7% | $5,696+101.6% | $3,203+258.5% |
| Admin fee / account holder | $3,575 | $3,742-4.5% | $5,517-35.2% | $4,296-16.8% |