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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 | $189,364 | $100,194+89.0% | $122,979+54.0% | $86,983+117.7% |
| Participation rate | 59.3% | 73.0%-13.7pp | 77.2%-17.9pp | 69.5%-10.3pp |
| Annual return | 13.28% | 16.47%-3.2pp | 20.12%-6.8pp | 25.83%-12.5pp |
| Employer contribution / active EE | $2,539 | $2,326+9.2% | $3,062-17.1% | $2,584-1.8% |
| Participant deferral / active EE | $5,297 | $4,133+28.2% | $5,003+5.9% | $4,194+26.3% |
| Admin fee / account holder | $7,214 | $10,148-28.9% | $12,864-43.9% | $7,856-8.2% |