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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 | $126,223 | $72,273+74.6% | $101,275+24.6% | $79,856+58.1% |
| Participation rate | 56.7% | 68.5%-11.8pp | 75.8%-19.1pp | 69.6%-13.0pp |
| Annual return | 13.79% | 22.30%-8.5pp | 46.48%-32.7pp | 31.71%-17.9pp |
| Employer contribution / active EE | $5,059 | $2,691+88.0% | $3,660+38.2% | $2,471+104.7% |
| Participant deferral / active EE | $4,078 | $3,282+24.3% | $4,371-6.7% | $3,741+9.0% |
| Admin fee / account holder | $9,040 | $4,401+105.4% | $5,948+52.0% | $5,306+70.4% |