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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 | $205,440 | $79,955+156.9% | $98,461+108.7% | $75,173+173.3% |
| Participation rate | 65.4% | 70.4%-5.0pp | 75.2%-9.8pp | 67.2%-1.8pp |
| Annual return | 16.65% | 19.75%-3.1pp | 21.17%-4.5pp | 160.72%-144.1pp |
| Employer contribution / active EE | $2,504 | $2,264+10.6% | $3,049-17.9% | $2,671-6.3% |
| Participant deferral / active EE | $6,598 | $3,752+75.8% | $4,738+39.2% | $4,126+59.9% |
| Admin fee / account holder | $1,358 | $6,841-80.1% | $8,961-84.8% | $5,651-76.0% |