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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 | $188,378 | $97,125+94.0% | $86,233+118.5% | $137,256+37.2% |
| Participation rate | 63.6% | 74.2%-10.6pp | 69.0%-5.4pp | 80.0%-16.3pp |
| Annual return | 18.41% | 74.19%-55.8pp | 61.39%-43.0pp | 220.34%-201.9pp |
| Employer contribution / active EE | $2,693 | $2,841-5.2% | $2,504+7.5% | $4,156-35.2% |
| Participant deferral / active EE | $9,094 | $5,180+75.6% | $4,559+99.5% | $6,407+41.9% |
| Admin fee / account holder | $317 | $9,725-96.7% | $8,342-96.2% | $12,270-97.4% |