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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 | $159,595 | $78,670+102.9% | $109,173+46.2% | $85,847+85.9% |
| Participation rate | 60.0% | 68.3%-8.3pp | 75.9%-15.9pp | 69.3%-9.3pp |
| Annual return | 13.76% | 25.09%-11.3pp | 25.75%-12.0pp | 318.61%-304.8pp |
| Employer contribution / active EE | $4,156 | $2,734+52.0% | $3,723+11.6% | $2,565+62.0% |
| Participant deferral / active EE | $6,291 | $3,467+81.4% | $4,654+35.2% | $3,952+59.2% |
| Admin fee / account holder | $4,109 | $5,469-24.9% | $6,755-39.2% | $6,261-34.4% |