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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 | $160,390 | $77,920+105.8% | $149,723+7.1% | $75,177+113.3% |
| Participation rate | 65.4% | 65.6%-0.2pp | 78.8%-13.4pp | 67.2%-1.8pp |
| Annual return | 20.64% | 31.72%-11.1pp | 134.50%-113.9pp | 160.75%-140.1pp |
| Employer contribution / active EE | $2,433 | $3,138-22.5% | $4,821-49.5% | $2,671-8.9% |
| Participant deferral / active EE | $4,090 | $3,411+19.9% | $5,682-28.0% | $4,126-0.9% |
| Admin fee / account holder | $3,321 | $5,951-44.2% | $13,215-74.9% | $5,651-41.2% |