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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 | $105,932 | $86,949+21.8% | $102,460+3.4% | $80,959+30.8% |
| Participation rate | 60.0% | 72.4%-12.4pp | 76.5%-16.5pp | 67.7%-7.7pp |
| Annual return | 13.92% | 18.89%-5.0pp | 29.47%-15.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,665 | $2,370-29.7% | $3,025-45.0% | $2,757-39.6% |
| Participant deferral / active EE | $4,002 | $4,121-2.9% | $5,056-20.8% | $4,300-6.9% |
| Admin fee / account holder | $10,853 | $8,048+34.9% | $9,460+14.7% | $6,925+56.7% |