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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 | $104,447 | $72,273+44.5% | $101,275+3.1% | $79,856+30.8% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 15.90% | 22.30%-6.4pp | 46.48%-30.6pp | 31.71%-15.8pp |
| Employer contribution / active EE | $706 | $2,691-73.8% | $3,660-80.7% | $2,471-71.4% |
| Participant deferral / active EE | $3,913 | $3,282+19.2% | $4,371-10.5% | $3,741+4.6% |
| Admin fee / account holder | $5,052 | $4,401+14.8% | $5,948-15.1% | $5,306-4.8% |