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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 | $108,679 | $93,589+16.1% | $135,942-20.1% | $75,181+44.6% |
| Participation rate | 69.4% | 75.2%-5.7pp | 81.9%-12.5pp | 67.2%+2.2pp |
| Annual return | 21.02% | 30.90%-9.9pp | 68.28%-47.3pp | 160.69%-139.7pp |
| Employer contribution / active EE | $2,197 | $3,537-37.9% | $4,858-54.8% | $2,671-17.7% |
| Participant deferral / active EE | $6,923 | $6,405+8.1% | $7,759-10.8% | $4,126+67.8% |
| Admin fee / account holder | $3,862 | $6,977-44.7% | $10,764-64.1% | $5,650-31.7% |