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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 | $109,606 | $95,453+14.8% | $112,040-2.2% | $82,448+32.9% |
| Participation rate | 49.1% | 72.8%-23.7pp | 76.5%-27.4pp | 68.1%-19.0pp |
| Annual return | 14.84% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,858 | $2,318-19.8% | $2,954-37.1% | $2,551-27.2% |
| Participant deferral / active EE | $5,676 | $4,224+34.4% | $5,098+11.4% | $4,139+37.1% |
| Admin fee / account holder | $21,392 | $9,013+137.3% | $12,098+76.8% | $7,234+195.7% |