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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 | $80,855+38.3% | $153,416-27.1% | $86,983+28.6% |
| Participation rate | 60.0% | 64.1%-4.1pp | 74.3%-14.3pp | 69.5%-9.5pp |
| Annual return | 15.17% | 16.18%-1.0pp | 17.84%-2.7pp | 25.83%-10.7pp |
| Employer contribution / active EE | $1,425 | $2,308-38.2% | $3,764-62.1% | $2,584-44.9% |
| Participant deferral / active EE | $5,508 | $3,333+65.3% | $4,723+16.6% | $4,194+31.3% |
| Admin fee / account holder | $2,295 | $6,908-66.8% | $13,095-82.5% | $7,856-70.8% |