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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 | $180,614 | $72,273+149.9% | $101,275+78.3% | $79,856+126.2% |
| Participation rate | 22.6% | 68.5%-45.9pp | 75.8%-53.2pp | 69.6%-47.1pp |
| Annual return | 180.88% | 22.30%+158.6pp | 46.48%+134.4pp | 31.71%+149.2pp |
| Employer contribution / active EE | $929 | $2,691-65.5% | $3,660-74.6% | $2,471-62.4% |
| Participant deferral / active EE | $4,019 | $3,282+22.5% | $4,371-8.0% | $3,741+7.4% |
| Admin fee / account holder | $443 | $4,401-89.9% | $5,948-92.6% | $5,306-91.7% |