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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 | $128,093 | $72,273+77.2% | $101,275+26.5% | $79,856+60.4% |
| Participation rate | 63.2% | 68.5%-5.3pp | 75.8%-12.7pp | 69.6%-6.5pp |
| Annual return | 21.12% | 22.30%-1.2pp | 46.48%-25.4pp | 31.71%-10.6pp |
| Employer contribution / active EE | $1,595 | $2,691-40.7% | $3,660-56.4% | $2,471-35.5% |
| Participant deferral / active EE | $4,233 | $3,282+29.0% | $4,371-3.2% | $3,741+13.2% |
| Admin fee / account holder | $324 | $4,401-92.6% | $5,948-94.6% | $5,306-93.9% |