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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 | $104,680 | $72,607+44.2% | $90,259+16.0% | $87,485+19.7% |
| Participation rate | 46.3% | 64.8%-18.5pp | 70.7%-24.4pp | 68.9%-22.6pp |
| Annual return | 14.80% | 18.59%-3.8pp | 18.88%-4.1pp | 26.06%-11.3pp |
| Employer contribution / active EE | $1,435 | $1,919-25.2% | $2,291-37.4% | $2,596-44.7% |
| Participant deferral / active EE | $3,178 | $3,055+4.0% | $3,827-16.9% | $4,274-25.6% |
| Admin fee / account holder | $4,695 | $5,947-21.0% | $7,267-35.4% | $7,775-39.6% |