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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 | $162,743 | $81,476+99.7% | $102,383+59.0% | $80,925+101.1% |
| Participation rate | 58.1% | 66.8%-8.8pp | 74.5%-16.4pp | 67.7%-9.6pp |
| Annual return | 11.66% | 25.59%-13.9pp | 24.94%-13.3pp | 35.65%-24.0pp |
| Employer contribution / active EE | $2,512 | $3,105-19.1% | $3,870-35.1% | $2,756-8.9% |
| Participant deferral / active EE | $5,148 | $3,871+33.0% | $5,060+1.8% | $4,299+19.8% |
| Admin fee / account holder | $79,941 | $6,717+1090.0% | $8,391+852.7% | $6,940+1051.9% |