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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 | $148,687 | $117,904+26.1% | $102,457+45.1% | $145,978+1.9% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 23.63% | 31.80%-8.2pp | 29.41%-5.8pp | 550.52%-526.9pp |
| Employer contribution / active EE | $9,229 | $3,613+155.4% | $3,022+205.4% | $4,662+98.0% |
| Participant deferral / active EE | $8,023 | $5,733+39.9% | $5,054+58.7% | $6,690+19.9% |
| Admin fee / account holder | $1,861 | $13,329-86.0% | $9,451-80.3% | $13,400-86.1% |