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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 | $92,656 | $54,763+69.2% | $90,324+2.6% | $72,976+27.0% |
| Participation rate | 67.9% | 65.2%+2.7pp | 73.3%-5.4pp | 69.5%-1.6pp |
| Annual return | 21.73% | 30.63%-8.9pp | 78.15%-56.4pp | 81.02%-59.3pp |
| Employer contribution / active EE | $1,613 | $2,093-23.0% | $2,856-43.5% | $2,440-33.9% |
| Participant deferral / active EE | $3,648 | $2,887+26.4% | $3,885-6.1% | $3,608+1.1% |
| Admin fee / account holder | $385 | $3,973-90.3% | $5,356-92.8% | $5,124-92.5% |