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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 | $77,574+52.2% | $108,753+8.6% | $86,983+35.8% |
| Participation rate | 61.8% | 62.3%-0.5pp | 71.1%-9.3pp | 69.5%-7.8pp |
| Annual return | 15.26% | 18.42%-3.2pp | 37.47%-22.2pp | 25.83%-10.6pp |
| Employer contribution / active EE | $1,969 | $1,611+22.3% | $2,427-18.9% | $2,584-23.8% |
| Participant deferral / active EE | $5,120 | $3,128+63.7% | $4,115+24.4% | $4,194+22.1% |
| Admin fee / account holder | $25,385 | $6,529+288.8% | $10,320+146.0% | $7,856+223.1% |