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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 | $171,079 | $84,236+103.1% | $170,435+0.4% | $70,126+144.0% |
| Participation rate | 65.5% | 70.8%-5.3pp | 83.6%-18.1pp | 69.5%-4.0pp |
| Annual return | 17.59% | 23.06%-5.5pp | 205.94%-188.4pp | 73.15%-55.6pp |
| Employer contribution / active EE | $2,155 | $3,387-36.4% | $5,432-60.3% | $2,343-8.0% |
| Participant deferral / active EE | $5,339 | $3,086+73.0% | $4,939+8.1% | $3,332+60.2% |
| Admin fee / account holder | $10,959 | $5,698+92.3% | $13,881-21.0% | $4,645+135.9% |