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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 | $82,071 | $63,845+28.5% | $81,370+0.9% | $80,959+1.4% |
| Participation rate | 46.4% | 63.9%-17.5pp | 69.5%-23.1pp | 67.7%-21.2pp |
| Annual return | 11.89% | 16.37%-4.5pp | 24.85%-13.0pp | 35.67%-23.8pp |
| Employer contribution / active EE | $1,759 | $1,980-11.1% | $2,464-28.6% | $2,757-36.2% |
| Participant deferral / active EE | $3,063 | $3,093-1.0% | $3,885-21.2% | $4,300-28.8% |
| Admin fee / account holder | $1,156 | $5,688-79.7% | $5,749-79.9% | $6,925-83.3% |