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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 | $139,869 | $57,140+144.8% | $85,240+64.1% | $80,959+72.8% |
| Participation rate | 33.3% | 56.4%-23.1pp | 67.5%-34.2pp | 67.7%-34.3pp |
| Annual return | 22.52% | 21.71%+0.8pp | 66.75%-44.2pp | 35.67%-13.1pp |
| Employer contribution / active EE | $1,846 | $1,802+2.5% | $2,735-32.5% | $2,757-33.0% |
| Participant deferral / active EE | $3,505 | $3,115+12.5% | $4,527-22.6% | $4,300-18.5% |
| Admin fee / account holder | $7,687 | $4,992+54.0% | $6,165+24.7% | $6,925+11.0% |