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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 | $228,904 | $51,638+343.3% | $129,406+76.9% | $80,959+182.7% |
| Participation rate | 55.2% | 56.9%-1.8pp | 69.6%-14.5pp | 67.7%-12.5pp |
| Annual return | 17.89% | 20.78%-2.9pp | 9468.18%-9450.3pp | 35.67%-17.8pp |
| Employer contribution / active EE | $5,747 | $1,584+262.9% | $4,155+38.3% | $2,757+108.4% |
| Participant deferral / active EE | $7,250 | $2,670+171.5% | $4,167+74.0% | $4,300+68.6% |
| Admin fee / account holder | $920 | $4,313-78.7% | $7,689-88.0% | $6,925-86.7% |