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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 | $98,062 | $81,504+20.3% | $102,437-4.3% | $80,959+21.1% |
| Participation rate | 45.7% | 66.9%-21.1pp | 74.5%-28.8pp | 67.7%-22.0pp |
| Annual return | 22.03% | 25.60%-3.6pp | 24.95%-2.9pp | 35.67%-13.6pp |
| Employer contribution / active EE | $1,368 | $3,104-55.9% | $3,871-64.7% | $2,757-50.4% |
| Participant deferral / active EE | $2,965 | $3,871-23.4% | $5,060-41.4% | $4,300-31.0% |
| Admin fee / account holder | $3,896 | $6,719-42.0% | $8,388-53.5% | $6,925-43.7% |