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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 | $118,127 | $86,949+35.9% | $102,460+15.3% | $80,959+45.9% |
| Participation rate | 69.1% | 72.4%-3.3pp | 76.5%-7.4pp | 67.7%+1.4pp |
| Annual return | 12.13% | 18.89%-6.8pp | 29.47%-17.3pp | 35.67%-23.5pp |
| Employer contribution / active EE | $3,090 | $2,370+30.4% | $3,025+2.1% | $2,757+12.1% |
| Participant deferral / active EE | $5,717 | $4,121+38.7% | $5,056+13.1% | $4,300+32.9% |
| Admin fee / account holder | $1,948 | $8,048-75.8% | $9,460-79.4% | $6,925-71.9% |