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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 | $151,901 | $93,345+62.7% | $119,126+27.5% | $87,485+73.6% |
| Participation rate | 56.7% | 68.7%-12.1pp | 75.8%-19.1pp | 68.9%-12.3pp |
| Annual return | 15.82% | 19.08%-3.3pp | 282.11%-266.3pp | 26.06%-10.2pp |
| Employer contribution / active EE | $2,173 | $3,172-31.5% | $4,034-46.1% | $2,596-16.3% |
| Participant deferral / active EE | $4,513 | $4,099+10.1% | $5,318-15.1% | $4,274+5.6% |
| Admin fee / account holder | $16,917 | $8,039+110.4% | $10,693+58.2% | $7,775+117.6% |