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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 | $100,851 | $67,602+49.2% | $82,312+22.5% | $70,126+43.8% |
| Participation rate | 64.4% | 72.8%-8.3pp | 76.9%-12.4pp | 69.5%-5.1pp |
| Annual return | 12.65% | 21.57%-8.9pp | 25.88%-13.2pp | 73.15%-60.5pp |
| Employer contribution / active EE | $1,233 | $1,755-29.7% | $2,428-49.2% | $2,343-47.3% |
| Participant deferral / active EE | $2,903 | $2,987-2.8% | $3,706-21.7% | $3,332-12.9% |
| Admin fee / account holder | $1,735 | $4,512-61.5% | $5,608-69.1% | $4,645-62.7% |