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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 | $125,636 | $57,057+120.2% | $85,009+47.8% | $80,874+55.3% |
| Participation rate | 56.7% | 56.4%+0.3pp | 67.5%-10.8pp | 67.6%-11.0pp |
| Annual return | 10.66% | 21.66%-11.0pp | 66.47%-55.8pp | 35.62%-25.0pp |
| Employer contribution / active EE | $2,762 | $1,799+53.5% | $2,728+1.2% | $2,756+0.2% |
| Participant deferral / active EE | $5,140 | $3,112+65.2% | $4,522+13.7% | $4,297+19.6% |
| Admin fee / account holder | $790 | $4,986-84.2% | $6,153-87.2% | $6,935-88.6% |