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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 | $135,565 | $115,931+16.9% | $185,441-26.9% | $86,983+55.9% |
| Participation rate | 63.0% | 73.6%-10.7pp | 80.3%-17.3pp | 69.5%-6.6pp |
| Annual return | 17.74% | 21.47%-3.7pp | 20.16%-2.4pp | 25.83%-8.1pp |
| Employer contribution / active EE | $4,488 | $2,937+52.8% | $4,672-3.9% | $2,584+73.7% |
| Participant deferral / active EE | $4,560 | $4,551+0.2% | $6,152-25.9% | $4,194+8.7% |
| Admin fee / account holder | $549 | $10,687-94.9% | $17,890-96.9% | $7,856-93.0% |