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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 | $161,715 | $71,215+127.1% | $93,696+72.6% | $80,935+99.8% |
| Participation rate | 59.5% | 60.4%-0.9pp | 68.7%-9.3pp | 67.7%-8.2pp |
| Annual return | 10.44% | 11.27%-0.8pp | 133.74%-123.3pp | 35.66%-25.2pp |
| Employer contribution / active EE | $3,591 | $1,565+129.4% | $2,422+48.3% | $2,757+30.3% |
| Participant deferral / active EE | $7,741 | $4,037+91.8% | $4,417+75.3% | $4,299+80.0% |
| Admin fee / account holder | $3,296 | $6,958-52.6% | $8,287-60.2% | $6,924-52.4% |