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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 | $106,179 | $81,504+30.3% | $102,437+3.7% | $80,959+31.2% |
| Participation rate | 63.6% | 66.9%-3.2pp | 74.5%-10.9pp | 67.7%-4.0pp |
| Annual return | 14.18% | 25.60%-11.4pp | 24.95%-10.8pp | 35.67%-21.5pp |
| Employer contribution / active EE | $1,947 | $3,104-37.3% | $3,871-49.7% | $2,757-29.4% |
| Participant deferral / active EE | $3,911 | $3,871+1.1% | $5,060-22.7% | $4,300-9.0% |
| Admin fee / account holder | $1,965 | $6,719-70.8% | $8,388-76.6% | $6,925-71.6% |