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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 | $197,043 | $97,125+102.9% | $86,233+128.5% | $137,256+43.6% |
| Participation rate | 58.3% | 74.2%-15.9pp | 69.0%-10.7pp | 80.0%-21.6pp |
| Annual return | 18.10% | 74.19%-56.1pp | 61.39%-43.3pp | 220.34%-202.2pp |
| Employer contribution / active EE | $1,787 | $2,841-37.1% | $2,504-28.6% | $4,156-57.0% |
| Participant deferral / active EE | $7,212 | $5,180+39.2% | $4,559+58.2% | $6,407+12.6% |
| Admin fee / account holder | $43,573 | $9,725+348.1% | $8,342+422.3% | $12,270+255.1% |