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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 | $102,698 | $73,978+38.8% | $96,515+6.4% | $75,173+36.6% |
| Participation rate | 58.3% | 66.4%-8.1pp | 74.3%-16.0pp | 67.2%-8.9pp |
| Annual return | 18.55% | 26.72%-8.2pp | 35.73%-17.2pp | 160.72%-142.2pp |
| Employer contribution / active EE | $1,887 | $2,931-35.6% | $3,740-49.5% | $2,671-29.3% |
| Participant deferral / active EE | $4,317 | $3,660+17.9% | $4,880-11.5% | $4,126+4.6% |
| Admin fee / account holder | $1,242 | $5,219-76.2% | $6,735-81.6% | $5,651-78.0% |