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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 | $176,554 | $110,410+59.9% | $102,437+72.4% | $145,897+21.0% |
| Participation rate | 54.2% | 77.9%-23.8pp | 74.5%-20.3pp | 80.3%-26.1pp |
| Annual return | 11.64% | 24.85%-13.2pp | 24.95%-13.3pp | 552.29%-540.7pp |
| Employer contribution / active EE | $3,140 | $4,217-25.5% | $3,871-18.9% | $4,663-32.6% |
| Participant deferral / active EE | $6,953 | $5,622+23.7% | $5,060+37.4% | $6,689+3.9% |
| Admin fee / account holder | $17,953 | $9,745+84.2% | $8,388+114.0% | $13,390+34.1% |