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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 | $189,840 | $81,446+133.1% | $103,374+83.6% | $80,874+134.7% |
| Participation rate | 59.3% | 66.9%-7.6pp | 74.5%-15.3pp | 67.6%-8.4pp |
| Annual return | 11.85% | 25.57%-13.7pp | 24.89%-13.0pp | 35.62%-23.8pp |
| Employer contribution / active EE | $2,944 | $3,107-5.2% | $3,869-23.9% | $2,756+6.8% |
| Participant deferral / active EE | $6,208 | $3,870+60.4% | $5,058+22.7% | $4,297+44.5% |
| Admin fee / account holder | $7,530 | $6,715+12.1% | $8,394-10.3% | $6,935+8.6% |