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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 | $111,171 | $76,834+44.7% | $108,359+2.6% | $87,485+27.1% |
| Participation rate | 68.9% | 61.7%+7.2pp | 70.1%-1.2pp | 68.9%0pp |
| Annual return | 18.33% | 19.09%-0.8pp | 36.89%-18.6pp | 26.06%-7.7pp |
| Employer contribution / active EE | $2,061 | $1,556+32.4% | $2,399-14.1% | $2,596-20.6% |
| Participant deferral / active EE | $4,981 | $3,100+60.7% | $4,137+20.4% | $4,274+16.6% |
| Admin fee / account holder | $5,071 | $6,537-22.4% | $9,741-47.9% | $7,775-34.8% |