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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 | $94,196 | $72,273+30.3% | $101,275-7.0% | $79,856+18.0% |
| Participation rate | 55.6% | 68.5%-12.9pp | 75.8%-20.3pp | 69.6%-14.1pp |
| Annual return | 19.59% | 22.30%-2.7pp | 46.48%-26.9pp | 31.71%-12.1pp |
| Employer contribution / active EE | $2,065 | $2,691-23.3% | $3,660-43.6% | $2,471-16.5% |
| Participant deferral / active EE | $5,241 | $3,282+59.7% | $4,371+19.9% | $3,741+40.1% |
| Admin fee / account holder | $1,737 | $4,401-60.5% | $5,948-70.8% | $5,306-67.3% |