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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 | $76,579 | $56,894+34.6% | $84,753-9.6% | $62,881+21.8% |
| Participation rate | 55.2% | 68.5%-13.4pp | 76.6%-21.4pp | 69.3%-14.1pp |
| Annual return | 9.68% | 6.30%+3.4pp | 22.78%-13.1pp | 20.14%-10.5pp |
| Employer contribution / active EE | $1,838 | $2,400-23.4% | $3,574-48.6% | $2,281-19.4% |
| Participant deferral / active EE | $4,393 | $2,709+62.2% | $3,712+18.4% | $3,203+37.2% |
| Admin fee / account holder | $3,489 | $3,581-2.6% | $5,333-34.6% | $4,296-18.8% |