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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 | $135,561 | $101,795+33.2% | $165,100-17.9% | $80,959+67.4% |
| Participation rate | 67.3% | 71.8%-4.5pp | 78.6%-11.3pp | 67.7%-0.3pp |
| Annual return | 24.59% | 16.73%+7.9pp | 70.21%-45.6pp | 35.67%-11.1pp |
| Employer contribution / active EE | $2,773 | $2,954-6.1% | $4,348-36.2% | $2,757+0.6% |
| Participant deferral / active EE | $6,108 | $4,476+36.5% | $6,035+1.2% | $4,300+42.0% |
| Admin fee / account holder | $3,055 | $8,221-62.8% | $12,696-75.9% | $6,925-55.9% |