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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 | $204,332 | $67,894+201.0% | $89,340+128.7% | $82,448+147.8% |
| Participation rate | 61.8% | 64.0%-2.3pp | 69.6%-7.8pp | 68.1%-6.3pp |
| Annual return | 13.33% | 19.21%-5.9pp | 20.57%-7.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,632 | $1,828-10.7% | $2,231-26.9% | $2,551-36.0% |
| Participant deferral / active EE | $3,493 | $3,072+13.7% | $3,823-8.6% | $4,139-15.6% |
| Admin fee / account holder | $10,577 | $5,723+84.8% | $6,704+57.8% | $7,234+46.2% |