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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 | $180,971 | $162,529+11.3% | $130,788+38.4% | $154,746+16.9% |
| Participation rate | 66.7% | 75.9%-9.2pp | 70.1%-3.4pp | 80.7%-14.0pp |
| Annual return | 11.83% | 510.48%-498.6pp | 386.44%-374.6pp | 172.34%-160.5pp |
| Employer contribution / active EE | $1,908 | $4,447-57.1% | $3,558-46.4% | $4,379-56.4% |
| Participant deferral / active EE | $9,268 | $4,808+92.8% | $4,137+124.0% | $6,730+37.7% |
| Admin fee / account holder | $20,650 | $7,669+169.3% | $6,673+209.5% | $14,365+43.7% |