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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 | $74,302 | $57,065+30.2% | $75,670-1.8% | $70,131+5.9% |
| Participation rate | 43.3% | 68.1%-24.8pp | 72.3%-29.0pp | 69.5%-26.2pp |
| Annual return | 13.65% | 23.57%-9.9pp | 27.34%-13.7pp | 73.14%-59.5pp |
| Employer contribution / active EE | $984 | $1,817-45.8% | $2,352-58.2% | $2,342-58.0% |
| Participant deferral / active EE | $1,995 | $2,580-22.7% | $3,142-36.5% | $3,332-40.1% |
| Admin fee / account holder | $4,395 | $3,825+14.9% | $5,800-24.2% | $4,645-5.4% |