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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 | $111,614 | $88,707+25.8% | $74,184+50.5% | $273,972-59.3% |
| Participation rate | 69.2% | 79.4%-10.2pp | 76.6%-7.4pp | 83.0%-13.8pp |
| Annual return | 8.59% | 11.94%-3.4pp | 17.74%-9.1pp | 41.46%-32.9pp |
| Employer contribution / active EE | $1,374 | $3,159-56.5% | $2,370-42.0% | $4,869-71.8% |
| Participant deferral / active EE | $4,740 | $4,212+12.5% | $3,550+33.5% | $5,287-10.4% |
| Admin fee / account holder | $2,356 | $8,717-73.0% | $5,586-57.8% | $10,133-76.7% |