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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 | $77,460+33.8% | $100,378+3.2% | $80,925+28.0% |
| Participation rate | 20.0% | 76.9%-56.9pp | 81.5%-61.5pp | 67.7%-47.7pp |
| Annual return | 18.43% | 37.24%-18.8pp | 49.41%-31.0pp | 35.65%-17.2pp |
| Employer contribution / active EE | $2,793 | $2,801-0.3% | $3,942-29.1% | $2,756+1.4% |
| Participant deferral / active EE | $4,026 | $6,818-41.0% | $8,087-50.2% | $4,299-6.3% |
| Admin fee / account holder | $10,555 | $5,887+79.3% | $7,899+33.6% | $6,940+52.1% |