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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 | $87,659 | $73,978+18.5% | $96,515-9.2% | $75,173+16.6% |
| Participation rate | 64.7% | 66.4%-1.7pp | 74.3%-9.6pp | 67.2%-2.5pp |
| Annual return | 16.60% | 26.72%-10.1pp | 35.73%-19.1pp | 160.72%-144.1pp |
| Employer contribution / active EE | $1,820 | $2,931-37.9% | $3,740-51.3% | $2,671-31.8% |
| Participant deferral / active EE | $3,362 | $3,660-8.1% | $4,880-31.1% | $4,126-18.5% |
| Admin fee / account holder | $7,311 | $5,219+40.1% | $6,735+8.5% | $5,651+29.4% |