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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 | $118,328 | $65,367+81.0% | $92,915+27.4% | $72,976+62.1% |
| Participation rate | 36.9% | 68.3%-31.4pp | 76.0%-39.1pp | 69.5%-32.6pp |
| Annual return | 21.24% | 42.11%-20.9pp | 109.45%-88.2pp | 81.02%-59.8pp |
| Employer contribution / active EE | $2,267 | $2,594-12.6% | $3,653-38.0% | $2,440-7.1% |
| Participant deferral / active EE | $2,488 | $3,128-20.5% | $4,238-41.3% | $3,608-31.0% |
| Admin fee / account holder | $2,295 | $4,251-46.0% | $5,796-60.4% | $5,124-55.2% |