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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 | $189,452 | $76,834+146.6% | $108,359+74.8% | $87,485+116.6% |
| Participation rate | 29.6% | 61.7%-32.1pp | 70.1%-40.5pp | 68.9%-39.3pp |
| Annual return | 18.90% | 19.09%-0.2pp | 36.89%-18.0pp | 26.06%-7.2pp |
| Employer contribution / active EE | $1,996 | $1,556+28.2% | $2,399-16.8% | $2,596-23.1% |
| Participant deferral / active EE | $4,538 | $3,100+46.4% | $4,137+9.7% | $4,274+6.2% |
| Admin fee / account holder | $809 | $6,537-87.6% | $9,741-91.7% | $7,775-89.6% |