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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 | $123,534 | $73,988+67.0% | $96,538+28.0% | $75,177+64.3% |
| Participation rate | 42.9% | 66.4%-23.6pp | 74.3%-31.5pp | 67.2%-24.3pp |
| Annual return | 24.82% | 26.73%-1.9pp | 35.74%-10.9pp | 160.75%-135.9pp |
| Employer contribution / active EE | $1,866 | $2,930-36.3% | $3,740-50.1% | $2,671-30.1% |
| Participant deferral / active EE | $4,506 | $3,660+23.1% | $4,880-7.7% | $4,126+9.2% |
| Admin fee / account holder | $820 | $5,220-84.3% | $6,737-87.8% | $5,651-85.5% |