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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 | $129,997 | $97,550+33.3% | $120,344+8.0% | $87,485+48.6% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.7%-7.5pp | 68.9%+0.3pp |
| Annual return | 14.14% | 18.41%-4.3pp | 20.30%-6.2pp | 26.06%-11.9pp |
| Employer contribution / active EE | $1,772 | $2,291-22.6% | $3,020-41.3% | $2,596-31.7% |
| Participant deferral / active EE | $2,570 | $4,230-39.2% | $5,135-50.0% | $4,274-39.9% |
| Admin fee / account holder | $904 | $9,543-90.5% | $12,742-92.9% | $7,775-88.4% |