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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 | $91,642 | $61,390+49.3% | $112,228-18.3% | $75,177+21.9% |
| Participation rate | 64.4% | 61.6%+2.8pp | 72.4%-8.0pp | 67.2%-2.8pp |
| Annual return | 20.57% | 28.47%-7.9pp | 30.23%-9.7pp | 160.75%-140.2pp |
| Employer contribution / active EE | $2,174 | $2,015+7.9% | $3,432-36.6% | $2,671-18.6% |
| Participant deferral / active EE | $4,230 | $3,108+36.1% | $4,800-11.9% | $4,126+2.5% |
| Admin fee / account holder | $2,662 | $4,862-45.2% | $7,752-65.7% | $5,651-52.9% |