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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 | $166,080 | $99,994+66.1% | $146,647+13.3% | $85,851+93.5% |
| Participation rate | 65.0% | 73.1%-8.1pp | 80.1%-15.1pp | 69.3%-4.3pp |
| Annual return | 16.24% | 18.93%-2.7pp | 22.75%-6.5pp | 318.63%-302.4pp |
| Employer contribution / active EE | $4,820 | $2,559+88.3% | $4,137+16.5% | $2,565+87.9% |
| Participant deferral / active EE | $6,710 | $4,006+67.5% | $5,506+21.9% | $3,952+69.8% |
| Admin fee / account holder | $7,325 | $7,703-4.9% | $10,281-28.8% | $6,261+17.0% |