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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 | $101,778+33.2% | $164,975-17.8% | $80,925+67.5% |
| Participation rate | 67.3% | 71.8%-4.5pp | 78.6%-11.3pp | 67.7%-0.3pp |
| Annual return | 24.59% | 16.73%+7.9pp | 70.12%-45.5pp | 35.65%-11.1pp |
| Employer contribution / active EE | $2,773 | $2,954-6.1% | $4,343-36.1% | $2,756+0.6% |
| Participant deferral / active EE | $6,108 | $4,477+36.4% | $6,033+1.2% | $4,299+42.1% |
| Admin fee / account holder | $3,055 | $8,221-62.8% | $12,688-75.9% | $6,940-56.0% |