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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 | $132,765 | $72,272+83.7% | $101,264+31.1% | $79,858+66.3% |
| Participation rate | 62.9% | 68.5%-5.6pp | 75.8%-12.9pp | 69.6%-6.8pp |
| Annual return | 21.24% | 22.30%-1.1pp | 46.48%-25.2pp | 31.72%-10.5pp |
| Employer contribution / active EE | $2,160 | $2,692-19.8% | $3,660-41.0% | $2,471-12.6% |
| Participant deferral / active EE | $4,660 | $3,282+42.0% | $4,370+6.6% | $3,740+24.6% |
| Admin fee / account holder | $5,430 | $4,401+23.4% | $5,947-8.7% | $5,306+2.3% |