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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 | $77,358+74.7% | $102,184+32.3% | $87,485+54.5% |
| Participation rate | 45.2% | 78.7%-33.5pp | 82.6%-37.4pp | 68.9%-23.8pp |
| Annual return | 15.05% | 41.11%-26.1pp | 31.58%-16.5pp | 26.06%-11.0pp |
| Employer contribution / active EE | $8,130 | $2,562+217.3% | $3,594+126.2% | $2,596+213.1% |
| Participant deferral / active EE | $9,230 | $6,753+36.7% | $8,309+11.1% | $4,274+116.0% |
| Admin fee / account holder | $30,989 | $6,809+355.1% | $11,609+166.9% | $7,775+298.6% |