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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 | $132,321 | $95,404+38.7% | $113,397+16.7% | $82,637+60.1% |
| Participation rate | 63.9% | 72.8%-8.9pp | 76.5%-12.6pp | 68.1%-4.2pp |
| Annual return | 17.79% | 19.08%-1.3pp | 23.20%-5.4pp | 53.51%-35.7pp |
| Employer contribution / active EE | $1,414 | $2,307-38.7% | $2,977-52.5% | $2,552-44.6% |
| Participant deferral / active EE | $5,244 | $4,220+24.3% | $5,076+3.3% | $4,126+27.1% |
| Admin fee / account holder | $451 | $9,168-95.1% | $11,957-96.2% | $7,339-93.8% |