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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 | $100,262+89.8% | $81,370+133.9% | $145,897+30.4% |
| Participation rate | 68.2% | 74.3%-6.1pp | 69.5%-1.4pp | 80.3%-12.1pp |
| Annual return | 14.21% | 34.52%-20.3pp | 24.85%-10.6pp | 552.29%-538.1pp |
| Employer contribution / active EE | $13,303 | $2,979+346.6% | $2,464+439.9% | $4,663+185.3% |
| Participant deferral / active EE | $8,994 | $4,612+95.0% | $3,885+131.5% | $6,689+34.5% |
| Admin fee / account holder | $3,379 | $8,163-58.6% | $5,749-41.2% | $13,390-74.8% |