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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 | $177,744 | $77,920+128.1% | $149,723+18.7% | $75,177+136.4% |
| Participation rate | 67.6% | 65.6%+2.1pp | 78.8%-11.1pp | 67.2%+0.4pp |
| Annual return | 16.30% | 31.72%-15.4pp | 134.50%-118.2pp | 160.75%-144.5pp |
| Employer contribution / active EE | $2,426 | $3,138-22.7% | $4,821-49.7% | $2,671-9.2% |
| Participant deferral / active EE | $9,023 | $3,411+164.5% | $5,682+58.8% | $4,126+118.7% |
| Admin fee / account holder | $894 | $5,951-85.0% | $13,215-93.2% | $5,651-84.2% |