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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 | $158,265 | $88,672+78.5% | $105,223+50.4% | $82,448+92.0% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 15.89% | 30.86%-15.0pp | 180.65%-164.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $3,163 | $3,048+3.8% | $3,689-14.2% | $2,551+24.0% |
| Participant deferral / active EE | $6,721 | $4,036+66.5% | $5,072+32.5% | $4,139+62.4% |
| Admin fee / account holder | $35,382 | $7,146+395.1% | $8,859+299.4% | $7,234+389.1% |