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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 | $107,287 | $65,034+65.0% | $90,970+17.9% | $79,856+34.4% |
| Participation rate | 66.7% | 61.6%+5.1pp | 69.0%-2.3pp | 69.6%-3.0pp |
| Annual return | 31.02% | 30.45%+0.6pp | 134.60%-103.6pp | 31.71%-0.7pp |
| Employer contribution / active EE | $1,431 | $1,247+14.7% | $2,122-32.5% | $2,471-42.1% |
| Participant deferral / active EE | $6,204 | $2,512+146.9% | $3,373+83.9% | $3,741+65.9% |
| Admin fee / account holder | $3,652 | $4,536-19.5% | $5,961-38.7% | $5,306-31.2% |