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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 | $134,338 | $97,550+37.7% | $120,344+11.6% | $87,485+53.6% |
| Participation rate | 59.5% | 72.8%-13.4pp | 76.7%-17.3pp | 68.9%-9.5pp |
| Annual return | 15.37% | 18.41%-3.0pp | 20.30%-4.9pp | 26.06%-10.7pp |
| Employer contribution / active EE | $4,872 | $2,291+112.7% | $3,020+61.3% | $2,596+87.7% |
| Participant deferral / active EE | $6,145 | $4,230+45.3% | $5,135+19.7% | $4,274+43.8% |
| Admin fee / account holder | $1,652 | $9,543-82.7% | $12,742-87.0% | $7,775-78.8% |