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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 | $109,323 | $59,804+82.8% | $81,982+33.3% | $79,856+36.9% |
| Participation rate | 66.7% | 61.6%+5.0pp | 69.3%-2.6pp | 69.6%-3.0pp |
| Annual return | 14.13% | 17.56%-3.4pp | 41.31%-27.2pp | 31.71%-17.6pp |
| Employer contribution / active EE | $1,951 | $1,713+13.8% | $2,498-21.9% | $2,471-21.1% |
| Participant deferral / active EE | $3,753 | $2,695+39.2% | $3,722+0.8% | $3,741+0.3% |
| Admin fee / account holder | $939 | $4,288-78.1% | $5,665-83.4% | $5,306-82.3% |