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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 | $195,919 | $107,666+82.0% | $102,184+91.7% | $154,746+26.6% |
| Participation rate | 56.5% | 83.7%-27.2pp | 82.6%-26.1pp | 80.7%-24.2pp |
| Annual return | 20.47% | 29.33%-8.9pp | 31.58%-11.1pp | 172.34%-151.9pp |
| Employer contribution / active EE | $3,674 | $3,846-4.5% | $3,594+2.2% | $4,379-16.1% |
| Participant deferral / active EE | $10,040 | $8,719+15.1% | $8,309+20.8% | $6,730+49.2% |
| Admin fee / account holder | $1,564 | $12,943-87.9% | $11,609-86.5% | $14,365-89.1% |