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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 | $77,523+35.9% | $100,383+4.9% | $80,874+30.3% |
| Participation rate | 65.9% | 77.0%-11.1pp | 81.5%-15.6pp | 67.6%-1.8pp |
| Annual return | 19.28% | 37.21%-17.9pp | 49.26%-30.0pp | 35.62%-16.3pp |
| Employer contribution / active EE | $1,198 | $2,801-57.2% | $3,944-69.6% | $2,756-56.5% |
| Participant deferral / active EE | $9,743 | $6,822+42.8% | $8,086+20.5% | $4,297+126.7% |
| Admin fee / account holder | $5,569 | $5,899-5.6% | $7,900-29.5% | $6,935-19.7% |