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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 | $103,368 | $65,364+58.1% | $92,909+11.3% | $72,975+41.6% |
| Participation rate | 57.9% | 68.3%-10.4pp | 76.0%-18.1pp | 69.5%-11.6pp |
| Annual return | 19.71% | 42.11%-22.4pp | 109.44%-89.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $2,099 | $2,594-19.1% | $3,653-42.5% | $2,440-14.0% |
| Participant deferral / active EE | $3,630 | $3,128+16.0% | $4,238-14.4% | $3,608+0.6% |
| Admin fee / account holder | $3,373 | $4,251-20.7% | $5,795-41.8% | $5,124-34.2% |