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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 | $167,444 | $86,940+92.6% | $102,434+63.5% | $80,935+106.9% |
| Participation rate | 66.7% | 72.4%-5.7pp | 76.5%-9.8pp | 67.7%-1.0pp |
| Annual return | 10.71% | 18.89%-8.2pp | 29.46%-18.7pp | 35.66%-24.9pp |
| Employer contribution / active EE | $3,025 | $2,370+27.7% | $3,023+0.1% | $2,757+9.7% |
| Participant deferral / active EE | $4,645 | $4,121+12.7% | $5,055-8.1% | $4,299+8.0% |
| Admin fee / account holder | $1,513 | $8,047-81.2% | $9,462-84.0% | $6,924-78.1% |