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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 | $73,787+60.0% | $98,716+19.6% | $82,448+43.2% |
| Participation rate | 61.8% | 61.4%+0.4pp | 69.3%-7.5pp | 68.1%-6.3pp |
| Annual return | 15.26% | 18.57%-3.3pp | 31.81%-16.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,969 | $1,511+30.3% | $2,279-13.6% | $2,551-22.8% |
| Participant deferral / active EE | $5,120 | $3,081+66.1% | $4,048+26.5% | $4,139+23.7% |
| Admin fee / account holder | $25,385 | $6,500+290.5% | $8,703+191.7% | $7,234+250.9% |