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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 | $85,296 | $54,757+55.8% | $90,304-5.5% | $72,975+16.9% |
| Participation rate | 32.1% | 65.2%-33.0pp | 73.3%-41.1pp | 69.5%-37.3pp |
| Annual return | 31.15% | 30.63%+0.5pp | 78.13%-47.0pp | 81.01%-49.9pp |
| Employer contribution / active EE | $1,826 | $2,093-12.7% | $2,855-36.0% | $2,440-25.2% |
| Participant deferral / active EE | $3,740 | $2,887+29.5% | $3,885-3.7% | $3,608+3.7% |
| Admin fee / account holder | $2,539 | $3,973-36.1% | $5,354-52.6% | $5,124-50.4% |