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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 | $139,557 | $123,793+12.7% | $177,848-21.5% | $79,856+74.8% |
| Participation rate | 69.0% | 84.7%-15.7pp | 87.7%-18.8pp | 69.6%-0.7pp |
| Annual return | 24.58% | 22.82%+1.8pp | 48.33%-23.7pp | 31.71%-7.1pp |
| Employer contribution / active EE | $3,143 | $4,095-23.2% | $5,919-46.9% | $2,471+27.2% |
| Participant deferral / active EE | $6,171 | $5,956+3.6% | $7,714-20.0% | $3,741+65.0% |
| Admin fee / account holder | $2,920 | $7,243-59.7% | $12,431-76.5% | $5,306-45.0% |