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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 | $123,854 | $64,010+93.5% | $108,359+14.3% | $64,340+92.5% |
| Participation rate | 56.3% | 49.4%+6.9pp | 70.1%-13.9pp | 55.2%+1.0pp |
| Annual return | 13.18% | 19.74%-6.6pp | 36.89%-23.7pp | 24.14%-11.0pp |
| Employer contribution / active EE | $627 | $1,029-39.0% | $2,399-73.9% | $1,862-66.3% |
| Participant deferral / active EE | $5,348 | $2,395+123.3% | $4,137+29.3% | $2,980+79.5% |
| Admin fee / account holder | $7,020 | $4,885+43.7% | $9,741-27.9% | $3,703+89.6% |