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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 | $64,462+52.2% | $81,482+20.4% | $80,911+21.2% |
| Participation rate | 45.9% | 63.9%-17.9pp | 69.5%-23.6pp | 67.6%-21.7pp |
| Annual return | 22.72% | 16.35%+6.4pp | 24.79%-2.1pp | 35.63%-12.9pp |
| Employer contribution / active EE | $2,243 | $1,979+13.4% | $2,463-8.9% | $2,756-18.6% |
| Participant deferral / active EE | $4,670 | $3,094+51.0% | $3,885+20.2% | $4,297+8.7% |
| Admin fee / account holder | $4,432 | $5,678-21.9% | $5,761-23.1% | $6,935-36.1% |