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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 | $104,069 | $65,364+59.2% | $92,909+12.0% | $72,975+42.6% |
| Participation rate | 58.1% | 68.3%-10.2pp | 76.0%-17.9pp | 69.5%-11.4pp |
| Annual return | 25.49% | 42.11%-16.6pp | 109.44%-83.9pp | 81.01%-55.5pp |
| Employer contribution / active EE | $1,881 | $2,594-27.5% | $3,653-48.5% | $2,440-22.9% |
| Participant deferral / active EE | $4,035 | $3,128+29.0% | $4,238-4.8% | $3,608+11.9% |
| Admin fee / account holder | $9,352 | $4,251+120.0% | $5,795+61.4% | $5,124+82.5% |