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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 | $111,713 | $57,140+95.5% | $85,240+31.1% | $80,959+38.0% |
| Participation rate | 53.8% | 56.4%-2.6pp | 67.5%-13.7pp | 67.7%-13.8pp |
| Annual return | 29.89% | 21.71%+8.2pp | 66.75%-36.9pp | 35.67%-5.8pp |
| Employer contribution / active EE | $1,459 | $1,802-19.0% | $2,735-46.7% | $2,757-47.1% |
| Participant deferral / active EE | $2,575 | $3,115-17.4% | $4,527-43.1% | $4,300-40.1% |
| Admin fee / account holder | $1,045 | $4,992-79.1% | $6,165-83.1% | $6,925-84.9% |