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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 | $75,541+167.0% | $152,093+32.6% | $82,637+144.0% |
| Participation rate | 65.1% | 66.5%-1.4pp | 77.8%-12.7pp | 68.1%-2.9pp |
| Annual return | 13.71% | 32.56%-18.8pp | 66.36%-52.6pp | 53.51%-39.8pp |
| Employer contribution / active EE | $2,522 | $2,622-3.8% | $4,175-39.6% | $2,552-1.2% |
| Participant deferral / active EE | $3,979 | $3,206+24.1% | $5,451-27.0% | $4,126-3.6% |
| Admin fee / account holder | $7,252 | $6,405+13.2% | $14,497-50.0% | $7,339-1.2% |