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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 | $92,166 | $76,551+20.4% | $123,894-25.6% | $62,881+46.6% |
| Participation rate | 56.5% | 73.0%-16.5pp | 81.4%-24.9pp | 69.3%-12.8pp |
| Annual return | 9.08% | 18.68%-9.6pp | 47.52%-38.4pp | 20.14%-11.1pp |
| Employer contribution / active EE | $5,196 | $2,882+80.3% | $4,617+12.6% | $2,281+127.8% |
| Participant deferral / active EE | $4,639 | $4,840-4.2% | $5,984-22.5% | $3,203+44.8% |
| Admin fee / account holder | $5,608 | $4,826+16.2% | $8,357-32.9% | $4,296+30.6% |