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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 | $164,682 | $73,978+122.6% | $96,515+70.6% | $75,173+119.1% |
| Participation rate | 62.1% | 66.4%-4.4pp | 74.3%-12.3pp | 67.2%-5.1pp |
| Annual return | 13.34% | 26.72%-13.4pp | 35.73%-22.4pp | 160.72%-147.4pp |
| Employer contribution / active EE | $2,094 | $2,931-28.5% | $3,740-44.0% | $2,671-21.6% |
| Participant deferral / active EE | $4,811 | $3,660+31.4% | $4,880-1.4% | $4,126+16.6% |
| Admin fee / account holder | $5,680 | $5,219+8.8% | $6,735-15.7% | $5,651+0.5% |