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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 | $141,295 | $58,099+143.2% | $76,902+83.7% | $75,177+87.9% |
| Participation rate | 60.0% | 63.9%-3.9pp | 69.6%-9.6pp | 67.2%-7.2pp |
| Annual return | 17.66% | 26.71%-9.0pp | 37.91%-20.2pp | 160.75%-143.1pp |
| Employer contribution / active EE | $1,697 | $1,996-15.0% | $2,534-33.0% | $2,671-36.5% |
| Participant deferral / active EE | $3,799 | $2,999+26.7% | $3,833-0.9% | $4,126-7.9% |
| Admin fee / account holder | $669 | $4,778-86.0% | $5,479-87.8% | $5,651-88.2% |