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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 | $125,957 | $95,453+32.0% | $112,040+12.4% | $82,448+52.8% |
| Participation rate | 58.5% | 72.8%-14.2pp | 76.5%-18.0pp | 68.1%-9.5pp |
| Annual return | 15.01% | 23.92%-8.9pp | 24.52%-9.5pp | 41.64%-26.6pp |
| Employer contribution / active EE | $3,332 | $2,318+43.8% | $2,954+12.8% | $2,551+30.6% |
| Participant deferral / active EE | $5,862 | $4,224+38.8% | $5,098+15.0% | $4,139+41.6% |
| Admin fee / account holder | $1,683 | $9,013-81.3% | $12,098-86.1% | $7,234-76.7% |