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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 | $131,193 | $110,137+19.1% | $161,149-18.6% | $82,637+58.8% |
| Participation rate | 43.8% | 72.4%-28.6pp | 78.8%-35.1pp | 68.1%-24.3pp |
| Annual return | 17.74% | 20.69%-2.9pp | 21.16%-3.4pp | 53.51%-35.8pp |
| Employer contribution / active EE | $2,919 | $2,856+2.2% | $4,360-33.1% | $2,552+14.4% |
| Participant deferral / active EE | $5,373 | $4,575+17.5% | $6,153-12.7% | $4,126+30.2% |
| Admin fee / account holder | $814 | $9,467-91.4% | $15,194-94.6% | $7,339-88.9% |