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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 | $167,154 | $77,920+114.5% | $149,723+11.6% | $75,177+122.3% |
| Participation rate | 62.5% | 65.6%-3.1pp | 78.8%-16.3pp | 67.2%-4.7pp |
| Annual return | 15.06% | 31.72%-16.7pp | 134.50%-119.4pp | 160.75%-145.7pp |
| Employer contribution / active EE | $4,736 | $3,138+50.9% | $4,821-1.8% | $2,671+77.3% |
| Participant deferral / active EE | $5,572 | $3,411+63.3% | $5,682-1.9% | $4,126+35.0% |
| Admin fee / account holder | $2,060 | $5,951-65.4% | $13,215-84.4% | $5,651-63.6% |