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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 | $113,364 | $65,364+73.4% | $92,909+22.0% | $72,975+55.3% |
| Participation rate | 63.5% | 68.3%-4.8pp | 76.0%-12.5pp | 69.5%-6.0pp |
| Annual return | 21.82% | 42.11%-20.3pp | 109.44%-87.6pp | 81.01%-59.2pp |
| Employer contribution / active EE | $4,243 | $2,594+63.5% | $3,653+16.1% | $2,440+73.9% |
| Participant deferral / active EE | $1,637 | $3,128-47.7% | $4,238-61.4% | $3,608-54.6% |
| Admin fee / account holder | $2,895 | $4,251-31.9% | $5,795-50.0% | $5,124-43.5% |