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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 | $178,722 | $61,816+189.1% | $97,260+83.8% | $80,935+120.8% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.7%-22.7pp | 67.7%-17.7pp |
| Annual return | 14.20% | -558.73%+572.9pp | 75.54%-61.3pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,198 | $1,836-34.8% | $2,721-56.0% | $2,757-56.5% |
| Participant deferral / active EE | $4,382 | $3,027+44.8% | $4,262+2.8% | $4,299+1.9% |
| Admin fee / account holder | $6,896 | $5,166+33.5% | $5,640+22.3% | $6,924-0.4% |