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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 | $72,607+38.2% | $90,259+11.2% | $87,485+14.7% |
| Participation rate | 56.0% | 64.8%-8.8pp | 70.7%-14.7pp | 68.9%-12.9pp |
| Annual return | 15.12% | 18.59%-3.5pp | 18.88%-3.8pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,469 | $1,919-23.5% | $2,291-35.9% | $2,596-43.4% |
| Participant deferral / active EE | $3,858 | $3,055+26.3% | $3,827+0.8% | $4,274-9.7% |
| Admin fee / account holder | $3,760 | $5,947-36.8% | $7,267-48.3% | $7,775-51.6% |