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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 | $177,105 | $101,795+74.0% | $165,100+7.3% | $80,959+118.8% |
| Participation rate | 53.8% | 71.8%-18.0pp | 78.6%-24.8pp | 67.7%-13.8pp |
| Annual return | 10.66% | 16.73%-6.1pp | 70.21%-59.6pp | 35.67%-25.0pp |
| Employer contribution / active EE | $2,238 | $2,954-24.2% | $4,348-48.5% | $2,757-18.8% |
| Participant deferral / active EE | $6,920 | $4,476+54.6% | $6,035+14.7% | $4,300+60.9% |
| Admin fee / account holder | $5,121 | $8,221-37.7% | $12,696-59.7% | $6,925-26.1% |