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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 | $96,925 | $74,535+30.0% | $100,712-3.8% | $82,637+17.3% |
| Participation rate | 31.7% | 61.2%-29.5pp | 69.3%-37.6pp | 68.1%-36.3pp |
| Annual return | 19.58% | 18.92%+0.7pp | 33.27%-13.7pp | 53.51%-33.9pp |
| Employer contribution / active EE | $1,555 | $1,503+3.5% | $2,313-32.7% | $2,552-39.1% |
| Participant deferral / active EE | $4,020 | $3,074+30.8% | $4,085-1.6% | $4,126-2.6% |
| Admin fee / account holder | $831 | $6,576-87.4% | $9,256-91.0% | $7,339-88.7% |