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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 | $201,671 | $77,814+159.2% | $158,223+27.5% | $86,983+131.9% |
| Participation rate | 65.1% | 68.4%-3.3pp | 79.2%-14.1pp | 69.5%-4.4pp |
| Annual return | 13.71% | 30.54%-16.8pp | 52.09%-38.4pp | 25.83%-12.1pp |
| Employer contribution / active EE | $2,522 | $2,592-2.7% | $4,109-38.6% | $2,584-2.4% |
| Participant deferral / active EE | $3,979 | $3,270+21.7% | $5,467-27.2% | $4,194-5.1% |
| Admin fee / account holder | $7,252 | $5,879+23.3% | $16,047-54.8% | $7,856-7.7% |