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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 | $127,276 | $73,955+72.1% | $96,520+31.9% | $75,181+69.3% |
| Participation rate | 57.5% | 66.4%-8.9pp | 74.3%-16.8pp | 67.2%-9.7pp |
| Annual return | 17.58% | 26.72%-9.1pp | 35.72%-18.1pp | 160.69%-143.1pp |
| Employer contribution / active EE | $2,276 | $2,930-22.3% | $3,739-39.1% | $2,671-14.8% |
| Participant deferral / active EE | $5,721 | $3,659+56.3% | $4,879+17.3% | $4,126+38.7% |
| Admin fee / account holder | $14,624 | $5,217+180.3% | $6,733+117.2% | $5,650+158.8% |