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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 | $120,361 | $73,940+62.8% | $96,496+24.7% | $75,173+60.1% |
| Participation rate | 68.0% | 66.4%+1.6pp | 74.3%-6.3pp | 67.2%+0.8pp |
| Annual return | 19.24% | 26.71%-7.5pp | 35.70%-16.5pp | 160.65%-141.4pp |
| Employer contribution / active EE | $1,856 | $2,929-36.6% | $3,738-50.3% | $2,670-30.5% |
| Participant deferral / active EE | $5,640 | $3,659+54.1% | $4,879+15.6% | $4,126+36.7% |
| Admin fee / account holder | $466 | $5,216-91.1% | $6,731-93.1% | $5,651-91.8% |