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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 | $139,469 | $71,208+95.9% | $93,681+48.9% | $80,911+72.4% |
| Participation rate | 69.2% | 60.4%+8.8pp | 68.7%+0.5pp | 67.6%+1.6pp |
| Annual return | 19.12% | 11.27%+7.9pp | 133.47%-114.3pp | 35.63%-16.5pp |
| Employer contribution / active EE | $2,067 | $1,564+32.1% | $2,422-14.7% | $2,756-25.0% |
| Participant deferral / active EE | $4,528 | $4,035+12.2% | $4,415+2.6% | $4,297+5.4% |
| Admin fee / account holder | $2,168 | $6,951-68.8% | $8,290-73.9% | $6,935-68.7% |