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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 | $105,342 | $77,472+36.0% | $100,415+4.9% | $80,959+30.1% |
| Participation rate | 65.9% | 76.9%-11.1pp | 81.5%-15.7pp | 67.7%-1.8pp |
| Annual return | 19.28% | 37.26%-18.0pp | 49.47%-30.2pp | 35.67%-16.4pp |
| Employer contribution / active EE | $1,198 | $2,800-57.2% | $3,943-69.6% | $2,757-56.6% |
| Participant deferral / active EE | $9,743 | $6,818+42.9% | $8,091+20.4% | $4,300+126.6% |
| Admin fee / account holder | $5,569 | $5,885-5.4% | $7,906-29.6% | $6,925-19.6% |