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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 | $155,789 | $77,908+100.0% | $149,696+4.1% | $75,173+107.2% |
| Participation rate | 68.0% | 65.6%+2.4pp | 78.8%-10.8pp | 67.2%+0.8pp |
| Annual return | 19.02% | 31.73%-12.7pp | 134.46%-115.4pp | 160.72%-141.7pp |
| Employer contribution / active EE | $2,237 | $3,138-28.7% | $4,821-53.6% | $2,671-16.2% |
| Participant deferral / active EE | $6,222 | $3,411+82.4% | $5,682+9.5% | $4,126+50.8% |
| Admin fee / account holder | $1,378 | $5,950-76.8% | $13,212-89.6% | $5,651-75.6% |