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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 | $184,995 | $167,415+10.5% | $140,514+31.7% | $198,609-6.9% |
| Participation rate | 66.7% | 80.9%-14.2pp | 77.8%-11.1pp | 82.4%-15.7pp |
| Annual return | 14.14% | 13.85%+0.3pp | 14.36%-0.2pp | 202.70%-188.6pp |
| Employer contribution / active EE | $1,615 | $4,088-60.5% | $3,378-52.2% | $5,055-68.0% |
| Participant deferral / active EE | $4,140 | $5,579-25.8% | $4,919-15.8% | $6,977-40.7% |
| Admin fee / account holder | $75,277 | $16,730+349.9% | $13,697+449.6% | $19,030+295.6% |