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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 | $110,337+60.0% | $102,383+72.4% | $145,877+21.0% |
| Participation rate | 54.2% | 77.9%-23.8pp | 74.5%-20.3pp | 80.3%-26.1pp |
| Annual return | 11.64% | 24.83%-13.2pp | 24.94%-13.3pp | 551.28%-539.6pp |
| Employer contribution / active EE | $3,140 | $4,216-25.5% | $3,870-18.9% | $4,663-32.7% |
| Participant deferral / active EE | $6,953 | $5,621+23.7% | $5,060+37.4% | $6,691+3.9% |
| Admin fee / account holder | $17,953 | $9,750+84.1% | $8,391+113.9% | $13,402+34.0% |