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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 | $141,608 | $100,792+40.5% | $86,691+63.3% | $134,509+5.3% |
| Participation rate | 21.4% | 78.9%-57.5pp | 76.6%-55.2pp | 81.2%-59.8pp |
| Annual return | 34.84% | 29.08%+5.8pp | 35.94%-1.1pp | 418.13%-383.3pp |
| Employer contribution / active EE | $3,878 | $3,491+11.1% | $2,837+36.7% | $4,741-18.2% |
| Participant deferral / active EE | $10,231 | $5,339+91.6% | $4,656+119.7% | $6,400+59.9% |
| Admin fee / account holder | $339 | $10,924-96.9% | $7,492-95.5% | $11,427-97.0% |