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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 | $151,978 | $72,273+110.3% | $101,275+50.1% | $79,856+90.3% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 18.12% | 22.30%-4.2pp | 46.48%-28.4pp | 31.71%-13.6pp |
| Employer contribution / active EE | $1,793 | $2,691-33.4% | $3,660-51.0% | $2,471-27.4% |
| Participant deferral / active EE | $5,368 | $3,282+63.6% | $4,371+22.8% | $3,741+43.5% |
| Admin fee / account holder | $3,561 | $4,401-19.1% | $5,948-40.1% | $5,306-32.9% |