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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 | $163,663 | $125,797+30.1% | $170,057-3.8% | $75,177+117.7% |
| Participation rate | 56.0% | 83.6%-27.6pp | 87.0%-31.0pp | 67.2%-11.2pp |
| Annual return | 58.51% | 27.20%+31.3pp | 53.42%+5.1pp | 160.75%-102.2pp |
| Employer contribution / active EE | $1,836 | $4,616-60.2% | $6,790-73.0% | $2,671-31.3% |
| Participant deferral / active EE | $7,329 | $6,838+7.2% | $10,411-29.6% | $4,126+77.6% |
| Admin fee / account holder | $3,976 | $8,177-51.4% | $12,826-69.0% | $5,651-29.6% |