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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 | $97,550+27.9% | $120,344+3.7% | $87,485+42.7% |
| Participation rate | 61.5% | 72.8%-11.3pp | 76.7%-15.2pp | 68.9%-7.4pp |
| Annual return | 16.39% | 18.41%-2.0pp | 20.30%-3.9pp | 26.06%-9.7pp |
| Employer contribution / active EE | $6,107 | $2,291+166.6% | $3,020+102.2% | $2,596+135.2% |
| Participant deferral / active EE | $3,463 | $4,230-18.1% | $5,135-32.6% | $4,274-19.0% |
| Admin fee / account holder | $12,306 | $9,543+29.0% | $12,742-3.4% | $7,775+58.3% |