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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 | $153,293 | $107,733+42.3% | $92,985+64.9% | $154,746-0.9% |
| Participation rate | 62.5% | 74.6%-12.1pp | 69.5%-7.0pp | 80.7%-18.2pp |
| Annual return | 13.40% | 30.39%-17.0pp | 27.99%-14.6pp | 172.34%-158.9pp |
| Employer contribution / active EE | $1,446 | $3,126-53.7% | $2,662-45.7% | $4,379-67.0% |
| Participant deferral / active EE | $5,963 | $5,053+18.0% | $4,377+36.2% | $6,730-11.4% |
| Admin fee / account holder | $1,736 | $11,369-84.7% | $9,463-81.7% | $14,365-87.9% |