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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 | $164,228 | $100,147+64.0% | $81,286+102.0% | $145,877+12.6% |
| Participation rate | 38.9% | 74.2%-35.3pp | 69.5%-30.6pp | 80.3%-41.4pp |
| Annual return | 18.18% | 34.44%-16.3pp | 24.80%-6.6pp | 551.28%-533.1pp |
| Employer contribution / active EE | $1,753 | $2,977-41.1% | $2,463-28.8% | $4,663-62.4% |
| Participant deferral / active EE | $4,978 | $4,607+8.1% | $3,883+28.2% | $6,691-25.6% |
| Admin fee / account holder | $8,698 | $8,201+6.1% | $5,764+50.9% | $13,402-35.1% |