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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 | $220,383 | $101,950+116.2% | $125,529+75.6% | $86,983+153.4% |
| Participation rate | 50.0% | 70.2%-20.2pp | 74.7%-24.7pp | 69.5%-19.5pp |
| Annual return | 16.50% | 18.29%-1.8pp | 202.56%-186.1pp | 25.83%-9.3pp |
| Employer contribution / active EE | $1,020 | $2,358-56.7% | $3,058-66.6% | $2,584-60.5% |
| Participant deferral / active EE | $2,766 | $3,862-28.4% | $4,813-42.5% | $4,194-34.0% |
| Admin fee / account holder | $18,080 | $12,791+41.4% | $16,298+10.9% | $7,856+130.2% |