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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 | $206,301 | $115,903+78.0% | $100,528+105.2% | $158,966+29.8% |
| Participation rate | 62.5% | 81.6%-19.1pp | 79.4%-16.9pp | 82.0%-19.5pp |
| Annual return | 19.19% | 34.80%-15.6pp | 30.90%-11.7pp | 302.95%-283.8pp |
| Employer contribution / active EE | $1,437 | $4,105-65.0% | $3,419-58.0% | $4,762-69.8% |
| Participant deferral / active EE | $4,171 | $6,677-37.5% | $6,271-33.5% | $5,983-30.3% |
| Admin fee / account holder | $5,511 | $11,000-49.9% | $8,084-31.8% | $11,250-51.0% |