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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 | $101,060 | $71,215+41.9% | $93,696+7.9% | $80,935+24.9% |
| Participation rate | 67.5% | 60.4%+7.1pp | 68.7%-1.2pp | 67.7%-0.2pp |
| Annual return | 12.32% | 11.27%+1.1pp | 133.74%-121.4pp | 35.66%-23.3pp |
| Employer contribution / active EE | $2,452 | $1,565+56.7% | $2,422+1.3% | $2,757-11.0% |
| Participant deferral / active EE | $5,706 | $4,037+41.4% | $4,417+29.2% | $4,299+32.7% |
| Admin fee / account holder | $17,756 | $6,958+155.2% | $8,287+114.3% | $6,924+156.4% |