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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 | $88,810 | $81,487+9.0% | $102,412-13.3% | $80,935+9.7% |
| Participation rate | 68.0% | 66.8%+1.2pp | 74.5%-6.5pp | 67.7%+0.3pp |
| Annual return | 12.81% | 25.60%-12.8pp | 24.94%-12.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $2,166 | $3,103-30.2% | $3,870-44.0% | $2,757-21.4% |
| Participant deferral / active EE | $4,719 | $3,871+21.9% | $5,060-6.7% | $4,299+9.8% |
| Admin fee / account holder | $6,184 | $6,717-7.9% | $8,388-26.3% | $6,924-10.7% |