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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 | $81,487+69.6% | $102,412+35.0% | $80,935+70.8% |
| Participation rate | 48.6% | 66.8%-18.2pp | 74.5%-25.9pp | 67.7%-19.0pp |
| Annual return | 15.67% | 25.60%-9.9pp | 24.94%-9.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $2,322 | $3,103-25.2% | $3,870-40.0% | $2,757-15.8% |
| Participant deferral / active EE | $5,011 | $3,871+29.5% | $5,060-1.0% | $4,299+16.6% |
| Admin fee / account holder | $12,448 | $6,717+85.3% | $8,388+48.4% | $6,924+79.8% |