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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 | $108,744 | $81,487+33.4% | $102,412+6.2% | $80,935+34.4% |
| Participation rate | 65.5% | 66.8%-1.3pp | 74.5%-9.0pp | 67.7%-2.1pp |
| Annual return | 10.89% | 25.60%-14.7pp | 24.94%-14.0pp | 35.66%-24.8pp |
| Employer contribution / active EE | $2,178 | $3,103-29.8% | $3,870-43.7% | $2,757-21.0% |
| Participant deferral / active EE | $4,312 | $3,871+11.4% | $5,060-14.8% | $4,299+0.3% |
| Admin fee / account holder | $3,140 | $6,717-53.3% | $8,388-62.6% | $6,924-54.7% |