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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 | $185,443 | $106,247+74.5% | $96,515+92.1% | $139,466+33.0% |
| Participation rate | 68.4% | 77.8%-9.4pp | 74.3%-5.9pp | 80.3%-11.9pp |
| Annual return | 30.19% | 38.47%-8.3pp | 35.73%-5.5pp | 373.66%-343.5pp |
| Employer contribution / active EE | $2,192 | $4,106-46.6% | $3,740-41.4% | $4,754-53.9% |
| Participant deferral / active EE | $6,483 | $5,456+18.8% | $4,880+32.9% | $6,712-3.4% |
| Admin fee / account holder | $5,502 | $7,885-30.2% | $6,735-18.3% | $11,409-51.8% |