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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 | $162,967+17.4% | $135,792+40.9% | $138,895+37.7% |
| Participation rate | 62.5% | 78.3%-15.8pp | 72.6%-10.1pp | 79.9%-17.4pp |
| Annual return | 13.34% | 30.08%-16.7pp | 25.96%-12.6pp | 145.39%-132.1pp |
| Employer contribution / active EE | $1,489 | $4,211-64.6% | $3,496-57.4% | $4,194-64.5% |
| Participant deferral / active EE | $3,977 | $5,640-29.5% | $4,759-16.4% | $6,396-37.8% |
| Admin fee / account holder | $2,763 | $15,306-81.9% | $12,266-77.5% | $12,562-78.0% |