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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 | $182,854 | $111,535+63.9% | $105,223+73.8% | $137,256+33.2% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 16.54% | 237.85%-221.3pp | 180.65%-164.1pp | 220.34%-203.8pp |
| Employer contribution / active EE | $3,652 | $3,939-7.3% | $3,689-1.0% | $4,156-12.1% |
| Participant deferral / active EE | $3,787 | $5,500-31.1% | $5,072-25.3% | $6,407-40.9% |
| Admin fee / account holder | $10,184 | $9,721+4.8% | $8,859+15.0% | $12,270-17.0% |