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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 | $80,562 | $60,349+33.5% | $74,184+8.6% | $62,881+28.1% |
| Participation rate | 56.0% | 72.7%-16.7pp | 76.6%-20.6pp | 69.3%-13.3pp |
| Annual return | 7.72% | 21.38%-13.7pp | 17.74%-10.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,467 | $1,680-12.7% | $2,370-38.1% | $2,281-35.7% |
| Participant deferral / active EE | $3,726 | $2,856+30.4% | $3,550+5.0% | $3,203+16.3% |
| Admin fee / account holder | $4,769 | $4,261+11.9% | $5,586-14.6% | $4,296+11.0% |