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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 | $186,088 | $69,444+168.0% | $92,985+100.1% | $87,485+112.7% |
| Participation rate | 68.0% | 63.3%+4.7pp | 69.5%-1.5pp | 68.9%-0.9pp |
| Annual return | 12.81% | 23.85%-11.0pp | 27.99%-15.2pp | 26.06%-13.2pp |
| Employer contribution / active EE | $4,870 | $1,917+154.0% | $2,662+82.9% | $2,596+87.6% |
| Participant deferral / active EE | $5,570 | $3,364+65.6% | $4,377+27.3% | $4,274+30.3% |
| Admin fee / account holder | $22,307 | $6,137+263.5% | $9,463+135.7% | $7,775+186.9% |