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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 | $72,607+148.1% | $90,259+99.6% | $87,485+105.9% |
| Participation rate | 62.5% | 64.8%-2.3pp | 70.7%-8.2pp | 68.9%-6.4pp |
| Annual return | 20.25% | 18.59%+1.7pp | 18.88%+1.4pp | 26.06%-5.8pp |
| Employer contribution / active EE | $1,742 | $1,919-9.3% | $2,291-24.0% | $2,596-32.9% |
| Participant deferral / active EE | $3,099 | $3,055+1.4% | $3,827-19.0% | $4,274-27.5% |
| Admin fee / account holder | $18,003 | $5,947+202.7% | $7,267+147.7% | $7,775+131.6% |