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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 | $129,997 | $95,404+36.3% | $113,397+14.6% | $82,637+57.3% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.5%-7.3pp | 68.1%+1.2pp |
| Annual return | 14.14% | 19.08%-4.9pp | 23.20%-9.1pp | 53.51%-39.4pp |
| Employer contribution / active EE | $1,772 | $2,307-23.2% | $2,977-40.5% | $2,552-30.6% |
| Participant deferral / active EE | $2,570 | $4,220-39.1% | $5,076-49.4% | $4,126-37.7% |
| Admin fee / account holder | $904 | $9,168-90.1% | $11,957-92.4% | $7,339-87.7% |