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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 | $161,646 | $93,063+73.7% | $153,476+5.3% | $80,911+99.8% |
| Participation rate | 61.3% | 69.0%-7.7pp | 77.1%-15.8pp | 67.6%-6.4pp |
| Annual return | 10.92% | 19.95%-9.0pp | 15.66%-4.7pp | 35.63%-24.7pp |
| Employer contribution / active EE | $2,331 | $3,507-33.5% | $5,038-53.7% | $2,756-15.4% |
| Participant deferral / active EE | $5,462 | $5,180+5.4% | $6,759-19.2% | $4,297+27.1% |
| Admin fee / account holder | $5,184 | $8,891-41.7% | $12,729-59.3% | $6,935-25.2% |