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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 | $192,409 | $112,729+70.7% | $98,716+94.9% | $137,256+40.2% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 16.93% | 38.48%-21.6pp | 31.81%-14.9pp | 220.34%-203.4pp |
| Employer contribution / active EE | $3,004 | $2,725+10.2% | $2,279+31.8% | $4,156-27.7% |
| Participant deferral / active EE | $7,710 | $4,640+66.2% | $4,048+90.5% | $6,407+20.3% |
| Admin fee / account holder | $1,744 | $10,129-82.8% | $8,703-80.0% | $12,270-85.8% |