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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 | $75,720+137.9% | $90,312+99.4% | $86,983+107.1% |
| Participation rate | 62.5% | 66.3%-3.8pp | 72.9%-10.4pp | 69.5%-7.0pp |
| Annual return | 20.25% | 18.55%+1.7pp | 18.90%+1.4pp | 25.83%-5.6pp |
| Employer contribution / active EE | $1,742 | $1,945-10.5% | $2,243-22.3% | $2,584-32.6% |
| Participant deferral / active EE | $3,099 | $3,001+3.3% | $3,749-17.3% | $4,194-26.1% |
| Admin fee / account holder | $18,003 | $6,201+190.3% | $8,248+118.3% | $7,856+129.2% |