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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 | $98,780 | $86,938+13.6% | $102,423-3.6% | $80,925+22.1% |
| Participation rate | 65.5% | 72.4%-6.9pp | 76.5%-11.0pp | 67.7%-2.1pp |
| Annual return | 12.36% | 18.89%-6.5pp | 29.42%-17.1pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,036 | $2,369-56.3% | $3,023-65.7% | $2,756-62.4% |
| Participant deferral / active EE | $3,313 | $4,120-19.6% | $5,054-34.5% | $4,299-22.9% |
| Admin fee / account holder | $3,833 | $8,053-52.4% | $9,455-59.5% | $6,940-44.8% |