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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 | $191,320 | $161,352+18.6% | $134,172+42.6% | $137,256+39.4% |
| Participation rate | 62.5% | 78.3%-15.8pp | 72.5%-10.0pp | 80.0%-17.5pp |
| Annual return | 13.34% | 28.72%-15.4pp | 25.30%-12.0pp | 220.34%-207.0pp |
| Employer contribution / active EE | $1,489 | $4,099-63.7% | $3,420-56.5% | $4,156-64.2% |
| Participant deferral / active EE | $3,977 | $5,552-28.4% | $4,690-15.2% | $6,407-37.9% |
| Admin fee / account holder | $2,763 | $15,028-81.6% | $12,016-77.0% | $12,270-77.5% |