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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 | $134,520 | $105,623+27.4% | $87,502+53.7% | $273,972-50.9% |
| Participation rate | 15.8% | 78.2%-62.4pp | 73.8%-58.0pp | 83.0%-67.2pp |
| Annual return | 16.98% | 12.26%+4.7pp | 12.21%+4.8pp | 41.46%-24.5pp |
| Employer contribution / active EE | $4,286 | $3,141+36.5% | $2,550+68.1% | $4,869-12.0% |
| Participant deferral / active EE | $2,100 | $3,601-41.7% | $3,149-33.3% | $5,287-60.3% |
| Admin fee / account holder | $1,078 | $4,781-77.4% | $4,221-74.5% | $10,133-89.4% |