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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 | $109,727 | $73,978+48.3% | $96,515+13.7% | $75,173+46.0% |
| Participation rate | 51.5% | 66.4%-14.9pp | 74.3%-22.8pp | 67.2%-15.7pp |
| Annual return | 17.41% | 26.72%-9.3pp | 35.73%-18.3pp | 160.72%-143.3pp |
| Employer contribution / active EE | $2,174 | $2,931-25.8% | $3,740-41.9% | $2,671-18.6% |
| Participant deferral / active EE | $5,766 | $3,660+57.5% | $4,880+18.2% | $4,126+39.7% |
| Admin fee / account holder | $10,356 | $5,219+98.4% | $6,735+53.8% | $5,651+83.3% |