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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 | $193,236 | $93,617+106.4% | $135,982+42.1% | $75,177+157.0% |
| Participation rate | 58.1% | 75.2%-17.1pp | 81.9%-23.9pp | 67.2%-9.1pp |
| Annual return | 17.84% | 30.89%-13.0pp | 68.32%-50.5pp | 160.75%-142.9pp |
| Employer contribution / active EE | $4,518 | $3,538+27.7% | $4,859-7.0% | $2,671+69.1% |
| Participant deferral / active EE | $9,368 | $6,406+46.2% | $7,760+20.7% | $4,126+127.0% |
| Admin fee / account holder | $1,293 | $6,980-81.5% | $10,767-88.0% | $5,651-77.1% |