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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 | $157,731 | $81,233+94.2% | $155,567+1.4% | $80,874+95.0% |
| Participation rate | 53.8% | 66.2%-12.4pp | 78.2%-24.3pp | 67.6%-13.8pp |
| Annual return | 11.33% | 33.33%-22.0pp | 64.74%-53.4pp | 35.62%-24.3pp |
| Employer contribution / active EE | $2,986 | $3,101-3.7% | $4,674-36.1% | $2,756+8.4% |
| Participant deferral / active EE | $5,844 | $3,452+69.3% | $5,628+3.8% | $4,297+36.0% |
| Admin fee / account holder | $18,389 | $7,998+129.9% | $15,916+15.5% | $6,935+165.2% |