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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 | $172,770 | $57,541+200.3% | $95,759+80.4% | $75,177+129.8% |
| Participation rate | 50.0% | 62.5%-12.5pp | 72.3%-22.3pp | 67.2%-17.2pp |
| Annual return | 17.61% | 34.93%-17.3pp | 28.42%-10.8pp | 160.75%-143.1pp |
| Employer contribution / active EE | $1,415 | $1,808-21.8% | $2,836-50.1% | $2,671-47.0% |
| Participant deferral / active EE | $5,202 | $3,074+69.2% | $4,244+22.6% | $4,126+26.1% |
| Admin fee / account holder | $6,194 | $4,099+51.1% | $5,678+9.1% | $5,651+9.6% |