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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 | $180,116 | $67,894+165.3% | $89,340+101.6% | $82,448+118.5% |
| Participation rate | 62.5% | 64.0%-1.5pp | 69.6%-7.1pp | 68.1%-5.6pp |
| Annual return | 20.25% | 19.21%+1.0pp | 20.57%-0.3pp | 41.64%-21.4pp |
| Employer contribution / active EE | $1,742 | $1,828-4.7% | $2,231-21.9% | $2,551-31.7% |
| Participant deferral / active EE | $3,099 | $3,072+0.9% | $3,823-18.9% | $4,139-25.1% |
| Admin fee / account holder | $18,003 | $5,723+214.6% | $6,704+168.6% | $7,234+148.9% |