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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 | $204,332 | $86,330+136.7% | $121,871+67.7% | $94,015+117.3% |
| Participation rate | 61.8% | 66.7%-4.9pp | 73.2%-11.4pp | 70.8%-9.1pp |
| Annual return | 13.33% | 14.95%-1.6pp | 13.57%-0.2pp | 17.84%-4.5pp |
| Employer contribution / active EE | $1,632 | $2,292-28.8% | $2,731-40.3% | $2,790-41.5% |
| Participant deferral / active EE | $3,493 | $3,146+11.0% | $4,318-19.1% | $4,249-17.8% |
| Admin fee / account holder | $10,577 | $7,346+44.0% | $11,551-8.4% | $8,951+18.2% |