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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 | $201,697 | $63,082+219.7% | $81,726+146.8% | $79,856+152.6% |
| Participation rate | 17.9% | 67.5%-49.7pp | 72.0%-54.1pp | 69.6%-51.8pp |
| Annual return | 26.38% | 22.66%+3.7pp | 29.49%-3.1pp | 31.71%-5.3pp |
| Employer contribution / active EE | $5,307 | $1,795+195.6% | $4,311+23.1% | $2,471+114.7% |
| Participant deferral / active EE | $6,174 | $2,780+122.0% | $7,108-13.1% | $3,741+65.1% |
| Admin fee / account holder | $6,671 | $4,428+50.6% | $5,160+29.3% | $5,306+25.7% |