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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 | $171,569 | $85,024+101.8% | $70,544+143.2% | $139,466+23.0% |
| Participation rate | 46.7% | 73.9%-27.2pp | 68.4%-21.7pp | 80.3%-33.7pp |
| Annual return | 19.25% | 30.39%-11.1pp | 32.79%-13.5pp | 373.66%-354.4pp |
| Employer contribution / active EE | $1,924 | $3,912-50.8% | $2,976-35.3% | $4,754-59.5% |
| Participant deferral / active EE | $6,527 | $5,891+10.8% | $4,568+42.9% | $6,712-2.8% |
| Admin fee / account holder | $13,653 | $8,928+52.9% | $6,427+112.4% | $11,409+19.7% |