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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 | $190,289 | $100,004+90.3% | $81,438+133.7% | $145,959+30.4% |
| Participation rate | 68.2% | 74.2%-6.0pp | 69.5%-1.3pp | 80.3%-12.1pp |
| Annual return | 14.21% | 34.34%-20.1pp | 24.74%-10.5pp | 561.95%-547.7pp |
| Employer contribution / active EE | $13,303 | $2,970+348.0% | $2,460+440.7% | $4,661+185.4% |
| Participant deferral / active EE | $8,994 | $4,603+95.4% | $3,883+131.6% | $6,689+34.5% |
| Admin fee / account holder | $3,379 | $8,202-58.8% | $5,764-41.4% | $13,398-74.8% |