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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 | $87,319 | $58,627+48.9% | $76,735+13.8% | $82,448+5.9% |
| Participation rate | 39.2% | 63.2%-24.0pp | 69.5%-30.3pp | 68.1%-28.9pp |
| Annual return | 15.91% | 39.10%-23.2pp | 29.77%-13.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,839 | $1,729+6.3% | $2,454-25.1% | $2,551-27.9% |
| Participant deferral / active EE | $3,967 | $3,134+26.6% | $4,088-3.0% | $4,139-4.2% |
| Admin fee / account holder | $13,236 | $5,323+148.7% | $7,189+84.1% | $7,234+83.0% |