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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 | $57,119+123.2% | $85,187+49.7% | $80,935+57.5% |
| Participation rate | 44.7% | 56.4%-11.7pp | 67.5%-22.8pp | 67.7%-23.0pp |
| Annual return | 20.48% | 21.70%-1.2pp | 66.67%-46.2pp | 35.66%-15.2pp |
| Employer contribution / active EE | $2,147 | $1,802+19.2% | $2,732-21.4% | $2,757-22.1% |
| Participant deferral / active EE | $5,195 | $3,115+66.8% | $4,525+14.8% | $4,299+20.8% |
| Admin fee / account holder | $4,125 | $4,990-17.3% | $6,162-33.1% | $6,924-40.4% |