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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 | $78,520+63.7% | $96,576+33.1% | $82,448+55.9% |
| Participation rate | 59.6% | 77.7%-18.2pp | 81.4%-21.9pp | 68.1%-8.5pp |
| Annual return | 16.34% | 41.30%-25.0pp | 38.47%-22.1pp | 41.64%-25.3pp |
| Employer contribution / active EE | $2,025 | $2,630-23.0% | $3,553-43.0% | $2,551-20.6% |
| Participant deferral / active EE | $4,348 | $6,754-35.6% | $7,956-45.3% | $4,139+5.1% |
| Admin fee / account holder | $8,541 | $13,455-36.5% | $11,381-25.0% | $7,234+18.1% |