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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 | $186,802 | $77,908+139.8% | $149,696+24.8% | $75,173+148.5% |
| Participation rate | 67.6% | 65.6%+2.1pp | 78.8%-11.1pp | 67.2%+0.4pp |
| Annual return | 19.43% | 31.73%-12.3pp | 134.46%-115.0pp | 160.72%-141.3pp |
| Employer contribution / active EE | $9,678 | $3,138+208.4% | $4,821+100.8% | $2,671+262.3% |
| Participant deferral / active EE | $4,062 | $3,411+19.1% | $5,682-28.5% | $4,126-1.6% |
| Admin fee / account holder | $3,622 | $5,950-39.1% | $13,212-72.6% | $5,651-35.9% |