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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 | $191,335 | $97,125+97.0% | $86,233+121.9% | $137,256+39.4% |
| Participation rate | 18.8% | 74.2%-55.4pp | 69.0%-50.3pp | 80.0%-61.2pp |
| Annual return | 20.48% | 74.19%-53.7pp | 61.39%-40.9pp | 220.34%-199.9pp |
| Employer contribution / active EE | $686 | $2,841-75.9% | $2,504-72.6% | $4,156-83.5% |
| Participant deferral / active EE | $4,062 | $5,180-21.6% | $4,559-10.9% | $6,407-36.6% |
| Admin fee / account holder | $5,172 | $9,725-46.8% | $8,342-38.0% | $12,270-57.8% |