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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 | $121,016 | $45,872+163.8% | $77,096+57.0% | $68,486+76.7% |
| Participation rate | 51.9% | 55.9%-4.1pp | 67.9%-16.1pp | 67.9%-16.0pp |
| Annual return | 36.07% | 1.73%+34.3pp | 42.35%-6.3pp | -7.85%+43.9pp |
| Employer contribution / active EE | $1,856 | $1,650+12.5% | $2,814-34.0% | $2,597-28.5% |
| Participant deferral / active EE | $3,434 | $2,963+15.9% | $4,429-22.5% | $4,028-14.7% |
| Admin fee / account holder | $3,992 | $3,041+31.3% | $5,428-26.5% | $5,404-26.1% |