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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 | $57,073+120.1% | $85,126+47.6% | $80,925+55.3% |
| Participation rate | 56.7% | 56.4%+0.3pp | 67.5%-10.9pp | 67.7%-11.0pp |
| Annual return | 10.66% | 21.69%-11.0pp | 66.63%-56.0pp | 35.65%-25.0pp |
| Employer contribution / active EE | $2,762 | $1,801+53.4% | $2,731+1.1% | $2,756+0.2% |
| Participant deferral / active EE | $5,140 | $3,113+65.1% | $4,523+13.6% | $4,299+19.6% |
| Admin fee / account holder | $790 | $4,988-84.2% | $6,160-87.2% | $6,940-88.6% |