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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 | $74,535+154.2% | $100,712+88.1% | $82,637+129.3% |
| Participation rate | 29.6% | 61.2%-31.5pp | 69.3%-39.6pp | 68.1%-38.4pp |
| Annual return | 18.90% | 18.92%0pp | 33.27%-14.4pp | 53.51%-34.6pp |
| Employer contribution / active EE | $1,996 | $1,503+32.8% | $2,313-13.7% | $2,552-21.8% |
| Participant deferral / active EE | $4,538 | $3,074+47.6% | $4,085+11.1% | $4,126+10.0% |
| Admin fee / account holder | $809 | $6,576-87.7% | $9,256-91.3% | $7,339-89.0% |