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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 | $95,297 | $56,894+67.5% | $84,753+12.4% | $62,881+51.6% |
| Participation rate | 55.6% | 68.5%-13.0pp | 76.6%-21.0pp | 69.3%-13.7pp |
| Annual return | 7.61% | 6.30%+1.3pp | 22.78%-15.2pp | 20.14%-12.5pp |
| Employer contribution / active EE | $2,598 | $2,400+8.3% | $3,574-27.3% | $2,281+13.9% |
| Participant deferral / active EE | $4,159 | $2,709+53.5% | $3,712+12.0% | $3,203+29.8% |
| Admin fee / account holder | $3,225 | $3,581-9.9% | $5,333-39.5% | $4,296-24.9% |