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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 | $100,970+94.0% | $96,576+102.9% | $137,256+42.7% |
| Participation rate | 56.5% | 82.6%-26.1pp | 81.4%-24.9pp | 80.0%-23.4pp |
| Annual return | 20.47% | 38.16%-17.7pp | 38.47%-18.0pp | 220.34%-199.9pp |
| Employer contribution / active EE | $3,674 | $3,809-3.6% | $3,553+3.4% | $4,156-11.6% |
| Participant deferral / active EE | $10,040 | $8,286+21.2% | $7,956+26.2% | $6,407+56.7% |
| Admin fee / account holder | $1,564 | $11,312-86.2% | $11,381-86.3% | $12,270-87.3% |