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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 | $127,509 | $57,061+123.5% | $85,063+49.9% | $80,911+57.6% |
| Participation rate | 44.7% | 56.3%-11.7pp | 67.5%-22.8pp | 67.6%-23.0pp |
| Annual return | 20.48% | 21.66%-1.2pp | 66.54%-46.1pp | 35.63%-15.2pp |
| Employer contribution / active EE | $2,147 | $1,799+19.3% | $2,727-21.3% | $2,756-22.1% |
| Participant deferral / active EE | $5,195 | $3,110+67.0% | $4,523+14.9% | $4,297+20.9% |
| Admin fee / account holder | $4,125 | $4,986-17.3% | $6,155-33.0% | $6,935-40.5% |