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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 | $99,245 | $70,418+40.9% | $96,570+2.8% | $85,847+15.6% |
| Participation rate | 63.0% | 61.8%+1.2pp | 69.8%-6.8pp | 69.3%-6.3pp |
| Annual return | 18.68% | 18.59%+0.1pp | 37.79%-19.1pp | 318.61%-299.9pp |
| Employer contribution / active EE | $1,479 | $1,413+4.6% | $2,357-37.3% | $2,565-42.4% |
| Participant deferral / active EE | $3,263 | $2,894+12.7% | $3,849-15.2% | $3,952-17.4% |
| Admin fee / account holder | $1,207 | $4,995-75.8% | $6,182-80.5% | $6,261-80.7% |