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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 | $103,616 | $77,523+33.7% | $100,383+3.2% | $80,874+28.1% |
| Participation rate | 20.0% | 77.0%-57.0pp | 81.5%-61.5pp | 67.6%-47.6pp |
| Annual return | 18.43% | 37.21%-18.8pp | 49.26%-30.8pp | 35.62%-17.2pp |
| Employer contribution / active EE | $2,793 | $2,801-0.3% | $3,944-29.2% | $2,756+1.4% |
| Participant deferral / active EE | $4,026 | $6,822-41.0% | $8,086-50.2% | $4,297-6.3% |
| Admin fee / account holder | $10,555 | $5,899+78.9% | $7,900+33.6% | $6,935+52.2% |