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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 | $128,528 | $77,358+66.1% | $102,184+25.8% | $87,485+46.9% |
| Participation rate | 59.6% | 78.7%-19.1pp | 82.6%-23.0pp | 68.9%-9.4pp |
| Annual return | 16.34% | 41.11%-24.8pp | 31.58%-15.2pp | 26.06%-9.7pp |
| Employer contribution / active EE | $2,025 | $2,562-21.0% | $3,594-43.6% | $2,596-22.0% |
| Participant deferral / active EE | $4,348 | $6,753-35.6% | $8,309-47.7% | $4,274+1.8% |
| Admin fee / account holder | $8,541 | $6,809+25.4% | $11,609-26.4% | $7,775+9.9% |