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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 | $192,409 | $124,980+54.0% | $108,359+77.6% | $154,746+24.3% |
| Participation rate | 66.7% | 75.2%-8.5pp | 70.1%-3.5pp | 80.7%-14.0pp |
| Annual return | 16.93% | 45.00%-28.1pp | 36.89%-20.0pp | 172.34%-155.4pp |
| Employer contribution / active EE | $3,004 | $2,851+5.4% | $2,399+25.2% | $4,379-31.4% |
| Participant deferral / active EE | $7,710 | $4,743+62.6% | $4,137+86.4% | $6,730+14.6% |
| Admin fee / account holder | $1,744 | $11,502-84.8% | $9,741-82.1% | $14,365-87.9% |