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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 | $118,094 | $76,834+53.7% | $108,359+9.0% | $87,485+35.0% |
| Participation rate | 61.8% | 61.7%0pp | 70.1%-8.4pp | 68.9%-7.2pp |
| Annual return | 15.26% | 19.09%-3.8pp | 36.89%-21.6pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,969 | $1,556+26.5% | $2,399-17.9% | $2,596-24.2% |
| Participant deferral / active EE | $5,120 | $3,100+65.1% | $4,137+23.8% | $4,274+19.8% |
| Admin fee / account holder | $25,385 | $6,537+288.3% | $9,741+160.6% | $7,775+226.5% |