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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 | $221,456 | $101,795+117.6% | $165,100+34.1% | $80,959+173.5% |
| Participation rate | 59.3% | 71.8%-12.6pp | 78.6%-19.4pp | 67.7%-8.4pp |
| Annual return | 10.87% | 16.73%-5.9pp | 70.21%-59.3pp | 35.67%-24.8pp |
| Employer contribution / active EE | $3,299 | $2,954+11.7% | $4,348-24.1% | $2,757+19.6% |
| Participant deferral / active EE | $6,067 | $4,476+35.5% | $6,035+0.5% | $4,300+41.1% |
| Admin fee / account holder | $932 | $8,221-88.7% | $12,696-92.7% | $6,925-86.5% |