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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 | $106,652 | $67,602+57.8% | $82,312+29.6% | $70,126+52.1% |
| Participation rate | 58.7% | 72.8%-14.1pp | 76.9%-18.2pp | 69.5%-10.8pp |
| Annual return | 24.16% | 21.57%+2.6pp | 25.88%-1.7pp | 73.15%-49.0pp |
| Employer contribution / active EE | $935 | $1,755-46.7% | $2,428-61.5% | $2,343-60.1% |
| Participant deferral / active EE | $2,853 | $2,987-4.5% | $3,706-23.0% | $3,332-14.4% |
| Admin fee / account holder | $4,513 | $4,5120% | $5,608-19.5% | $4,645-2.9% |