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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 | $156,752 | $71,215+120.1% | $93,696+67.3% | $80,935+93.7% |
| Participation rate | 60.0% | 60.4%-0.4pp | 68.7%-8.7pp | 67.7%-7.7pp |
| Annual return | 28.15% | 11.27%+16.9pp | 133.74%-105.6pp | 35.66%-7.5pp |
| Employer contribution / active EE | $2,746 | $1,565+75.4% | $2,422+13.4% | $2,757-0.4% |
| Participant deferral / active EE | $5,178 | $4,037+28.3% | $4,417+17.2% | $4,299+20.4% |
| Admin fee / account holder | $486 | $6,958-93.0% | $8,287-94.1% | $6,924-93.0% |