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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 | $135,181 | $78,520+72.2% | $96,576+40.0% | $82,448+64.0% |
| Participation rate | 45.2% | 77.7%-32.6pp | 81.4%-36.3pp | 68.1%-22.9pp |
| Annual return | 15.05% | 41.30%-26.3pp | 38.47%-23.4pp | 41.64%-26.6pp |
| Employer contribution / active EE | $8,130 | $2,630+209.2% | $3,553+128.8% | $2,551+218.7% |
| Participant deferral / active EE | $9,230 | $6,754+36.7% | $7,956+16.0% | $4,139+123.0% |
| Admin fee / account holder | $30,989 | $13,455+130.3% | $11,381+172.3% | $7,234+328.4% |