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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 | $122,122 | $72,273+69.0% | $101,275+20.6% | $79,856+52.9% |
| Participation rate | 46.2% | 68.5%-22.3pp | 75.8%-29.7pp | 69.6%-23.5pp |
| Annual return | 18.31% | 22.30%-4.0pp | 46.48%-28.2pp | 31.71%-13.4pp |
| Employer contribution / active EE | $2,911 | $2,691+8.2% | $3,660-20.5% | $2,471+17.8% |
| Participant deferral / active EE | $6,363 | $3,282+93.9% | $4,371+45.6% | $3,741+70.1% |
| Admin fee / account holder | $1,780 | $4,401-59.6% | $5,948-70.1% | $5,306-66.5% |