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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 | $123,883 | $73,988+67.4% | $96,538+28.3% | $75,177+64.8% |
| Participation rate | 53.6% | 66.4%-12.9pp | 74.3%-20.8pp | 67.2%-13.6pp |
| Annual return | 15.31% | 26.73%-11.4pp | 35.74%-20.4pp | 160.75%-145.4pp |
| Employer contribution / active EE | $2,599 | $2,930-11.3% | $3,740-30.5% | $2,671-2.7% |
| Participant deferral / active EE | $5,562 | $3,660+52.0% | $4,880+14.0% | $4,126+34.8% |
| Admin fee / account holder | $20,677 | $5,220+296.1% | $6,737+206.9% | $5,651+265.9% |