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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 | $100,335 | $67,894+47.8% | $89,340+12.3% | $82,448+21.7% |
| Participation rate | 56.0% | 64.0%-8.0pp | 69.6%-13.6pp | 68.1%-12.1pp |
| Annual return | 15.12% | 19.21%-4.1pp | 20.57%-5.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,469 | $1,828-19.6% | $2,231-34.2% | $2,551-42.4% |
| Participant deferral / active EE | $3,858 | $3,072+25.6% | $3,823+0.9% | $4,139-6.8% |
| Admin fee / account holder | $3,760 | $5,723-34.3% | $6,704-43.9% | $7,234-48.0% |