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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 | $136,282 | $51,207+166.1% | $70,565+93.1% | $75,177+81.3% |
| Participation rate | 56.4% | 61.0%-4.6pp | 68.4%-11.9pp | 67.2%-10.8pp |
| Annual return | 14.78% | 30.05%-15.3pp | 32.79%-18.0pp | 160.75%-146.0pp |
| Employer contribution / active EE | $2,043 | $1,826+11.9% | $2,976-31.3% | $2,671-23.5% |
| Participant deferral / active EE | $5,003 | $2,850+75.6% | $4,568+9.5% | $4,126+21.3% |
| Admin fee / account holder | $6,025 | $4,097+47.0% | $6,430-6.3% | $5,651+6.6% |