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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 | $184,056 | $106,524+72.8% | $152,301+20.8% | $87,485+110.4% |
| Participation rate | 61.1% | 75.8%-14.6pp | 82.4%-21.3pp | 68.9%-7.8pp |
| Annual return | 16.20% | 26.89%-10.7pp | 80.50%-64.3pp | 26.06%-9.9pp |
| Employer contribution / active EE | $2,036 | $3,371-39.6% | $4,624-56.0% | $2,596-21.6% |
| Participant deferral / active EE | $3,736 | $6,525-42.7% | $8,004-53.3% | $4,274-12.6% |
| Admin fee / account holder | $10,153 | $8,287+22.5% | $14,398-29.5% | $7,775+30.6% |