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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 | $179,715 | $123,155+45.9% | $108,753+65.2% | $155,188+15.8% |
| Participation rate | 68.2% | 75.6%-7.4pp | 71.1%-2.9pp | 80.8%-12.6pp |
| Annual return | 17.18% | 44.73%-27.5pp | 37.47%-20.3pp | 148.84%-131.7pp |
| Employer contribution / active EE | $2,926 | $2,811+4.1% | $2,427+20.6% | $4,248-31.1% |
| Participant deferral / active EE | $7,516 | $4,623+62.6% | $4,115+82.7% | $6,531+15.1% |
| Admin fee / account holder | $3,446 | $12,126-71.6% | $10,320-66.6% | $14,480-76.2% |