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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 | $97,550+94.1% | $120,344+57.4% | $87,485+116.5% |
| Participation rate | 59.3% | 72.8%-13.6pp | 76.7%-17.5pp | 68.9%-9.7pp |
| Annual return | 13.28% | 18.41%-5.1pp | 20.30%-7.0pp | 26.06%-12.8pp |
| Employer contribution / active EE | $2,539 | $2,291+10.8% | $3,020-15.9% | $2,596-2.2% |
| Participant deferral / active EE | $5,297 | $4,230+25.2% | $5,135+3.2% | $4,274+24.0% |
| Admin fee / account holder | $7,214 | $9,543-24.4% | $12,742-43.4% | $7,775-7.2% |