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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 | $181,107 | $118,877+52.3% | $96,570+87.5% | $167,536+8.1% |
| Participation rate | 66.7% | 75.5%-8.8pp | 69.8%-3.2pp | 82.1%-15.4pp |
| Annual return | 12.98% | 50.50%-37.5pp | 37.79%-24.8pp | 478.82%-465.8pp |
| Employer contribution / active EE | $3,762 | $3,121+20.5% | $2,357+59.6% | $4,839-22.3% |
| Participant deferral / active EE | $5,547 | $4,617+20.2% | $3,849+44.1% | $6,342-12.5% |
| Admin fee / account holder | $1,138 | $8,069-85.9% | $6,182-81.6% | $12,315-90.8% |