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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 | $100,194+29.7% | $122,979+5.7% | $86,983+49.5% |
| Participation rate | 69.2% | 73.0%-3.7pp | 77.2%-8.0pp | 69.5%-0.3pp |
| Annual return | 14.14% | 16.47%-2.3pp | 20.12%-6.0pp | 25.83%-11.7pp |
| Employer contribution / active EE | $1,772 | $2,326-23.8% | $3,062-42.1% | $2,584-31.4% |
| Participant deferral / active EE | $2,570 | $4,133-37.8% | $5,003-48.6% | $4,194-38.7% |
| Admin fee / account holder | $904 | $10,148-91.1% | $12,864-93.0% | $7,856-88.5% |