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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 | $141,075 | $72,269+95.2% | $101,271+39.3% | $79,852+76.7% |
| Participation rate | 68.9% | 68.5%+0.4pp | 75.8%-6.9pp | 69.6%-0.7pp |
| Annual return | 13.19% | 22.29%-9.1pp | 46.48%-33.3pp | 31.72%-18.5pp |
| Employer contribution / active EE | $4,172 | $2,692+55.0% | $3,660+14.0% | $2,471+68.8% |
| Participant deferral / active EE | $4,455 | $3,282+35.8% | $4,371+1.9% | $3,740+19.1% |
| Admin fee / account holder | $26,234 | $4,401+496.1% | $5,948+341.1% | $5,306+394.4% |