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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 | $164,217 | $106,280+54.5% | $96,538+70.1% | $139,487+17.7% |
| Participation rate | 57.9% | 77.8%-20.0pp | 74.3%-16.5pp | 80.3%-22.4pp |
| Annual return | 28.01% | 38.48%-10.5pp | 35.74%-7.7pp | 373.84%-345.8pp |
| Employer contribution / active EE | $1,754 | $4,107-57.3% | $3,740-53.1% | $4,755-63.1% |
| Participant deferral / active EE | $6,896 | $5,457+26.4% | $4,880+41.3% | $6,713+2.7% |
| Admin fee / account holder | $1,380 | $7,888-82.5% | $6,737-79.5% | $11,407-87.9% |