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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 | $142,557 | $93,598+52.3% | $135,974+4.8% | $75,173+89.6% |
| Participation rate | 69.2% | 75.2%-6.0pp | 81.9%-12.7pp | 67.2%+2.0pp |
| Annual return | 18.24% | 30.89%-12.6pp | 68.30%-50.1pp | 160.72%-142.5pp |
| Employer contribution / active EE | $2,121 | $3,538-40.0% | $4,859-56.3% | $2,671-20.6% |
| Participant deferral / active EE | $5,019 | $6,405-21.6% | $7,760-35.3% | $4,126+21.6% |
| Admin fee / account holder | $1,531 | $6,978-78.1% | $10,767-85.8% | $5,651-72.9% |