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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 | $98,103 | $63,845+53.7% | $81,370+20.6% | $80,959+21.2% |
| Participation rate | 45.9% | 63.9%-17.9pp | 69.5%-23.6pp | 67.7%-21.7pp |
| Annual return | 22.72% | 16.37%+6.3pp | 24.85%-2.1pp | 35.67%-13.0pp |
| Employer contribution / active EE | $2,243 | $1,980+13.3% | $2,464-9.0% | $2,757-18.6% |
| Participant deferral / active EE | $4,670 | $3,093+51.0% | $3,885+20.2% | $4,300+8.6% |
| Admin fee / account holder | $4,432 | $5,688-22.1% | $5,749-22.9% | $6,925-36.0% |