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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 | $100,147+90.0% | $81,286+134.1% | $145,877+30.4% |
| Participation rate | 68.2% | 74.2%-6.0pp | 69.5%-1.3pp | 80.3%-12.1pp |
| Annual return | 14.21% | 34.44%-20.2pp | 24.80%-10.6pp | 551.28%-537.1pp |
| Employer contribution / active EE | $13,303 | $2,977+346.8% | $2,463+440.2% | $4,663+185.3% |
| Participant deferral / active EE | $8,994 | $4,607+95.2% | $3,883+131.6% | $6,691+34.4% |
| Admin fee / account holder | $3,379 | $8,201-58.8% | $5,764-41.4% | $13,402-74.8% |