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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 | $210,539 | $57,140+268.5% | $85,240+147.0% | $80,959+160.1% |
| Participation rate | 44.0% | 56.4%-12.4pp | 67.5%-23.5pp | 67.7%-23.7pp |
| Annual return | 21.56% | 21.71%-0.1pp | 66.75%-45.2pp | 35.67%-14.1pp |
| Employer contribution / active EE | $2,515 | $1,802+39.6% | $2,735-8.0% | $2,757-8.8% |
| Participant deferral / active EE | $6,357 | $3,115+104.1% | $4,527+40.4% | $4,300+47.8% |
| Admin fee / account holder | $2,928 | $4,992-41.3% | $6,165-52.5% | $6,925-57.7% |