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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 | $138,016 | $112,729+22.4% | $98,716+39.8% | $137,256+0.6% |
| Participation rate | 58.8% | 74.2%-15.4pp | 69.3%-10.5pp | 80.0%-21.1pp |
| Annual return | 15.94% | 38.48%-22.5pp | 31.81%-15.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $2,462 | $2,725-9.7% | $2,279+8.1% | $4,156-40.8% |
| Participant deferral / active EE | $4,354 | $4,640-6.2% | $4,048+7.6% | $6,407-32.0% |
| Admin fee / account holder | $3,939 | $10,129-61.1% | $8,703-54.7% | $12,270-67.9% |