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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 | $176,409 | $97,648+80.7% | $121,663+45.0% | $87,485+101.6% |
| Participation rate | 47.6% | 70.5%-22.9pp | 74.5%-26.9pp | 68.9%-21.3pp |
| Annual return | 20.42% | 18.03%+2.4pp | 147.54%-127.1pp | 26.06%-5.6pp |
| Employer contribution / active EE | $2,185 | $2,300-5.0% | $3,020-27.6% | $2,596-15.8% |
| Participant deferral / active EE | $5,303 | $3,923+35.2% | $4,887+8.5% | $4,274+24.1% |
| Admin fee / account holder | $438 | $11,100-96.0% | $14,289-96.9% | $7,775-94.4% |