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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 | $138,208 | $81,457+69.7% | $103,378+33.7% | $80,911+70.8% |
| Participation rate | 48.6% | 66.8%-18.2pp | 74.5%-25.9pp | 67.6%-19.0pp |
| Annual return | 15.67% | 25.58%-9.9pp | 24.91%-9.2pp | 35.63%-20.0pp |
| Employer contribution / active EE | $2,322 | $3,107-25.3% | $3,870-40.0% | $2,756-15.7% |
| Participant deferral / active EE | $5,011 | $3,871+29.5% | $5,058-0.9% | $4,297+16.6% |
| Admin fee / account holder | $12,448 | $6,717+85.3% | $8,401+48.2% | $6,935+79.5% |