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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 | $222,439 | $116,167+91.5% | $64,489+244.9% | $137,256+62.1% |
| Participation rate | 66.7% | 68.2%-1.5pp | 67.7%-1.0pp | 80.0%-13.3pp |
| Annual return | 15.41% | 36.55%-21.1pp | 55.03%-39.6pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,500 | $2,483-39.6% | $1,523-1.5% | $4,156-63.9% |
| Participant deferral / active EE | $6,480 | $4,215+53.7% | $2,778+133.2% | $6,407+1.1% |
| Admin fee / account holder | $1,867 | $6,188-69.8% | $4,260-56.2% | $12,270-84.8% |