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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 | $103,667 | $73,787+40.5% | $98,716+5.0% | $82,448+25.7% |
| Participation rate | 52.0% | 61.4%-9.4pp | 69.3%-17.3pp | 68.1%-16.1pp |
| Annual return | 12.48% | 18.57%-6.1pp | 31.81%-19.3pp | 41.64%-29.2pp |
| Employer contribution / active EE | $3,938 | $1,511+160.6% | $2,279+72.8% | $2,551+54.4% |
| Participant deferral / active EE | $3,998 | $3,081+29.7% | $4,048-1.2% | $4,139-3.4% |
| Admin fee / account holder | $9,106 | $6,500+40.1% | $8,703+4.6% | $7,234+25.9% |