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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 | $178,053 | $223,823-20.4% | $211,142-15.7% | $154,746+15.1% |
| Participation rate | 66.7% | 87.9%-21.2pp | 87.3%-20.6pp | 80.7%-14.0pp |
| Annual return | 22.27% | 50.39%-28.1pp | 46.84%-24.6pp | 172.34%-150.1pp |
| Employer contribution / active EE | $11,187 | $6,787+64.8% | $6,442+73.7% | $4,379+155.5% |
| Participant deferral / active EE | $12,322 | $9,750+26.4% | $9,284+32.7% | $6,730+83.1% |
| Admin fee / account holder | $1,132 | $19,707-94.3% | $19,076-94.1% | $14,365-92.1% |