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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 | $130,263 | $80,985+60.8% | $96,576+34.9% | $75,181+73.3% |
| Participation rate | 60.7% | 71.8%-11.1pp | 76.0%-15.3pp | 67.2%-6.5pp |
| Annual return | 23.44% | 27.05%-3.6pp | 25.87%-2.4pp | 160.69%-137.2pp |
| Employer contribution / active EE | $1,400 | $2,282-38.7% | $2,965-52.8% | $2,671-47.6% |
| Participant deferral / active EE | $5,373 | $3,929+36.8% | $4,851+10.8% | $4,126+30.2% |
| Admin fee / account holder | $4,852 | $6,719-27.8% | $8,253-41.2% | $5,650-14.1% |