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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 | $86,938+35.9% | $102,423+15.3% | $80,925+46.0% |
| Participation rate | 69.1% | 72.4%-3.3pp | 76.5%-7.4pp | 67.7%+1.4pp |
| Annual return | 12.13% | 18.89%-6.8pp | 29.42%-17.3pp | 35.65%-23.5pp |
| Employer contribution / active EE | $3,090 | $2,369+30.4% | $3,023+2.2% | $2,756+12.1% |
| Participant deferral / active EE | $5,717 | $4,120+38.8% | $5,054+13.1% | $4,299+33.0% |
| Admin fee / account holder | $1,948 | $8,053-75.8% | $9,455-79.4% | $6,940-71.9% |