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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 | $132,667 | $57,541+130.6% | $95,728+38.6% | $75,181+76.5% |
| Participation rate | 67.7% | 62.5%+5.2pp | 72.3%-4.5pp | 67.2%+0.5pp |
| Annual return | 19.37% | 34.93%-15.6pp | 28.40%-9.0pp | 160.69%-141.3pp |
| Employer contribution / active EE | $2,165 | $1,808+19.8% | $2,835-23.6% | $2,671-18.9% |
| Participant deferral / active EE | $6,466 | $3,074+110.3% | $4,245+52.3% | $4,126+56.7% |
| Admin fee / account holder | $2,642 | $4,099-35.5% | $5,673-53.4% | $5,650-53.2% |