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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 | $124,612 | $86,919+43.4% | $102,457+21.6% | $80,911+54.0% |
| Participation rate | 52.0% | 72.4%-20.4pp | 76.5%-24.5pp | 67.6%-15.6pp |
| Annual return | 11.72% | 18.90%-7.2pp | 29.41%-17.7pp | 35.63%-23.9pp |
| Employer contribution / active EE | $1,962 | $2,368-17.2% | $3,022-35.1% | $2,756-28.8% |
| Participant deferral / active EE | $5,286 | $4,119+28.3% | $5,054+4.6% | $4,297+23.0% |
| Admin fee / account holder | $979 | $8,049-87.8% | $9,451-89.6% | $6,935-85.9% |