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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 | $117,846+26.2% | $102,434+45.2% | $145,884+1.9% |
| Participation rate | 66.7% | 78.6%-12.0pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 23.63% | 31.90%-8.3pp | 29.46%-5.8pp | 551.85%-528.2pp |
| Employer contribution / active EE | $9,229 | $3,615+155.3% | $3,023+205.3% | $4,662+97.9% |
| Participant deferral / active EE | $8,023 | $5,733+39.9% | $5,055+58.7% | $6,690+19.9% |
| Admin fee / account holder | $1,861 | $13,356-86.1% | $9,462-80.3% | $13,392-86.1% |