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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 | $117,653 | $73,978+59.0% | $96,515+21.9% | $75,173+56.5% |
| Participation rate | 42.9% | 66.4%-23.6pp | 74.3%-31.5pp | 67.2%-24.3pp |
| Annual return | 19.57% | 26.72%-7.2pp | 35.73%-16.2pp | 160.72%-141.2pp |
| Employer contribution / active EE | $2,377 | $2,931-18.9% | $3,740-36.4% | $2,671-11.0% |
| Participant deferral / active EE | $4,060 | $3,660+10.9% | $4,880-16.8% | $4,126-1.6% |
| Admin fee / account holder | $1,289 | $5,219-75.3% | $6,735-80.9% | $5,651-77.2% |