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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 | $127,615 | $67,606+88.8% | $82,313+55.0% | $70,124+82.0% |
| Participation rate | 68.6% | 72.8%-4.2pp | 76.9%-8.3pp | 69.5%-1.0pp |
| Annual return | 21.74% | 21.57%+0.2pp | 25.88%-4.1pp | 73.14%-51.4pp |
| Employer contribution / active EE | $1,633 | $1,755-6.9% | $2,428-32.8% | $2,342-30.3% |
| Participant deferral / active EE | $3,854 | $2,987+29.0% | $3,706+4.0% | $3,332+15.7% |
| Admin fee / account holder | $3,722 | $4,512-17.5% | $5,608-33.6% | $4,645-19.9% |