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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 | $111,814+57.9% | $103,378+70.8% | $145,978+20.9% |
| Participation rate | 54.2% | 77.9%-23.8pp | 74.5%-20.3pp | 80.3%-26.1pp |
| Annual return | 11.64% | 24.80%-13.2pp | 24.91%-13.3pp | 550.52%-538.9pp |
| Employer contribution / active EE | $3,140 | $4,215-25.5% | $3,870-18.9% | $4,662-32.6% |
| Participant deferral / active EE | $6,953 | $5,618+23.8% | $5,058+37.5% | $6,690+3.9% |
| Admin fee / account holder | $17,953 | $9,764+83.9% | $8,401+113.7% | $13,400+34.0% |