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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 | $248,972 | $107,809+130.9% | $97,032+156.6% | $155,188+60.4% |
| Participation rate | 57.1% | 75.5%-18.3pp | 71.6%-14.4pp | 80.8%-23.7pp |
| Annual return | 12.98% | 38.06%-25.1pp | 35.38%-22.4pp | 148.84%-135.9pp |
| Employer contribution / active EE | $2,061 | $2,911-29.2% | $2,629-21.6% | $4,248-51.5% |
| Participant deferral / active EE | $7,511 | $5,129+46.4% | $4,672+60.8% | $6,531+15.0% |
| Admin fee / account holder | $2,019 | $10,717-81.2% | $9,418-78.6% | $14,480-86.1% |