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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 | $111,820 | $81,403+37.4% | $147,027-23.9% | $87,485+27.8% |
| Participation rate | 60.0% | 63.4%-3.4pp | 73.7%-13.7pp | 68.9%-8.9pp |
| Annual return | 15.17% | 16.51%-1.3pp | 20.23%-5.1pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,425 | $2,205-35.4% | $3,626-60.7% | $2,596-45.1% |
| Participant deferral / active EE | $5,508 | $3,315+66.1% | $4,933+11.7% | $4,274+28.9% |
| Admin fee / account holder | $2,295 | $6,755-66.0% | $12,223-81.2% | $7,775-70.5% |