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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 | $235,086 | $85,024+176.5% | $70,544+233.2% | $139,466+68.6% |
| Participation rate | 60.0% | 73.9%-13.9pp | 68.4%-8.4pp | 80.3%-20.3pp |
| Annual return | 32.50% | 30.39%+2.1pp | 32.79%-0.3pp | 373.66%-341.2pp |
| Employer contribution / active EE | $3,682 | $3,912-5.9% | $2,976+23.7% | $4,754-22.5% |
| Participant deferral / active EE | $6,029 | $5,891+2.3% | $4,568+32.0% | $6,712-10.2% |
| Admin fee / account holder | $1,359 | $8,928-84.8% | $6,427-78.8% | $11,409-88.1% |