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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 | $166,089 | $98,240+69.1% | $82,312+101.8% | $147,586+12.5% |
| Participation rate | 63.2% | 79.7%-16.6pp | 76.9%-13.7pp | 82.8%-19.7pp |
| Annual return | 17.14% | 30.85%-13.7pp | 25.88%-8.7pp | 578.59%-561.5pp |
| Employer contribution / active EE | $3,204 | $3,192+0.4% | $2,428+32.0% | $4,876-34.3% |
| Participant deferral / active EE | $4,688 | $4,383+6.9% | $3,706+26.5% | $5,439-13.8% |
| Admin fee / account holder | $2,967 | $8,563-65.4% | $5,608-47.1% | $10,886-72.7% |