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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 | $90,297 | $81,476+10.8% | $102,383-11.8% | $80,925+11.6% |
| Participation rate | 45.5% | 66.8%-21.4pp | 74.5%-29.1pp | 67.7%-22.2pp |
| Annual return | 32.10% | 25.59%+6.5pp | 24.94%+7.2pp | 35.65%-3.6pp |
| Employer contribution / active EE | $1,759 | $3,105-43.3% | $3,870-54.5% | $2,756-36.2% |
| Participant deferral / active EE | $4,852 | $3,871+25.3% | $5,060-4.1% | $4,299+12.9% |
| Admin fee / account holder | $10,205 | $6,717+51.9% | $8,391+21.6% | $6,940+47.0% |