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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 | $181,798 | $99,994+81.8% | $146,643+24.0% | $85,847+111.8% |
| Participation rate | 68.0% | 73.1%-5.1pp | 80.1%-12.1pp | 69.3%-1.3pp |
| Annual return | 14.21% | 18.93%-4.7pp | 22.75%-8.5pp | 318.61%-304.4pp |
| Employer contribution / active EE | $2,127 | $2,559-16.9% | $4,137-48.6% | $2,565-17.1% |
| Participant deferral / active EE | $15,137 | $4,006+277.9% | $5,506+174.9% | $3,952+283.0% |
| Admin fee / account holder | $11,564 | $7,703+50.1% | $10,280+12.5% | $6,261+84.7% |