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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 | $124,801 | $95,453+30.7% | $112,040+11.4% | $82,448+51.4% |
| Participation rate | 61.5% | 72.8%-11.2pp | 76.5%-15.0pp | 68.1%-6.5pp |
| Annual return | 16.39% | 23.92%-7.5pp | 24.52%-8.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $6,107 | $2,318+163.5% | $2,954+106.7% | $2,551+139.4% |
| Participant deferral / active EE | $3,463 | $4,224-18.0% | $5,098-32.1% | $4,139-16.3% |
| Admin fee / account holder | $12,306 | $9,013+36.5% | $12,098+1.7% | $7,234+70.1% |