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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 | $83,898+125.8% | $133,346+42.1% | $94,015+101.5% |
| Participation rate | 29.6% | 63.4%-33.7pp | 72.8%-43.2pp | 70.8%-41.2pp |
| Annual return | 18.90% | 16.00%+2.9pp | 36.85%-17.9pp | 17.84%+1.1pp |
| Employer contribution / active EE | $1,996 | $1,821+9.6% | $2,853-30.1% | $2,790-28.5% |
| Participant deferral / active EE | $4,538 | $3,245+39.8% | $4,332+4.7% | $4,249+6.8% |
| Admin fee / account holder | $809 | $7,809-89.6% | $14,264-94.3% | $8,951-91.0% |