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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 | $96,965 | $63,082+53.7% | $81,716+18.7% | $79,852+21.4% |
| Participation rate | 56.8% | 67.5%-10.7pp | 72.0%-15.2pp | 69.6%-12.8pp |
| Annual return | 13.83% | 22.66%-8.8pp | 29.49%-15.7pp | 31.72%-17.9pp |
| Employer contribution / active EE | $824 | $1,795-54.1% | $4,310-80.9% | $2,471-66.6% |
| Participant deferral / active EE | $2,355 | $2,780-15.3% | $7,108-66.9% | $3,740-37.0% |
| Admin fee / account holder | $3,831 | $4,428-13.5% | $5,159-25.8% | $5,306-27.8% |