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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 | $105,626 | $59,440+77.7% | $78,004+35.4% | $82,637+27.8% |
| Participation rate | 61.5% | 62.8%-1.3pp | 69.4%-7.9pp | 68.1%-6.5pp |
| Annual return | 14.92% | 40.24%-25.3pp | 31.07%-16.2pp | 53.51%-38.6pp |
| Employer contribution / active EE | $1,438 | $1,750-17.9% | $2,469-41.8% | $2,552-43.7% |
| Participant deferral / active EE | $3,161 | $3,138+0.7% | $4,092-22.7% | $4,126-23.4% |
| Admin fee / account holder | $4,158 | $5,504-24.5% | $7,578-45.1% | $7,339-43.3% |