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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 | $81,616 | $48,078+69.8% | $78,676+3.7% | $62,881+29.8% |
| Participation rate | 61.9% | 65.2%-3.3pp | 73.6%-11.7pp | 69.3%-7.4pp |
| Annual return | 5.30% | 31.36%-26.1pp | 62.19%-56.9pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,405 | $2,015-30.2% | $2,850-50.7% | $2,281-38.4% |
| Participant deferral / active EE | $3,616 | $2,587+39.8% | $3,517+2.8% | $3,203+12.9% |
| Admin fee / account holder | $10,819 | $3,206+237.5% | $4,510+139.9% | $4,296+151.9% |