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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 | $105,915 | $80,983+30.8% | $96,544+9.7% | $75,177+40.9% |
| Participation rate | 50.0% | 71.8%-21.8pp | 76.0%-26.0pp | 67.2%-17.2pp |
| Annual return | 19.00% | 27.05%-8.1pp | 25.88%-6.9pp | 160.75%-141.8pp |
| Employer contribution / active EE | $1,317 | $2,282-42.3% | $2,966-55.6% | $2,671-50.7% |
| Participant deferral / active EE | $3,273 | $3,929-16.7% | $4,851-32.5% | $4,126-20.7% |
| Admin fee / account holder | $5,963 | $6,717-11.2% | $8,254-27.8% | $5,651+5.5% |