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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 | $240,924 | $86,938+177.1% | $102,423+135.2% | $80,925+197.7% |
| Participation rate | 67.9% | 72.4%-4.5pp | 76.5%-8.6pp | 67.7%+0.2pp |
| Annual return | 12.13% | 18.89%-6.8pp | 29.42%-17.3pp | 35.65%-23.5pp |
| Employer contribution / active EE | $2,568 | $2,369+8.4% | $3,023-15.0% | $2,756-6.8% |
| Participant deferral / active EE | $6,810 | $4,120+65.3% | $5,054+34.7% | $4,299+58.4% |
| Admin fee / account holder | $4,439 | $8,053-44.9% | $9,455-53.0% | $6,940-36.0% |