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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 | $152,342 | $110,137+38.3% | $161,149-5.5% | $82,637+84.3% |
| Participation rate | 56.3% | 72.4%-16.1pp | 78.8%-22.6pp | 68.1%-11.8pp |
| Annual return | 13.22% | 20.69%-7.5pp | 21.16%-7.9pp | 53.51%-40.3pp |
| Employer contribution / active EE | $2,092 | $2,856-26.7% | $4,360-52.0% | $2,552-18.0% |
| Participant deferral / active EE | $4,264 | $4,575-6.8% | $6,153-30.7% | $4,126+3.3% |
| Admin fee / account holder | $11,586 | $9,467+22.4% | $15,194-23.7% | $7,339+57.9% |