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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 | $196,395 | $112,729+74.2% | $98,716+98.9% | $137,256+43.1% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 15.02% | 38.48%-23.5pp | 31.81%-16.8pp | 220.34%-205.3pp |
| Employer contribution / active EE | $628 | $2,725-77.0% | $2,279-72.4% | $4,156-84.9% |
| Participant deferral / active EE | $4,050 | $4,640-12.7% | $4,0480% | $6,407-36.8% |
| Admin fee / account holder | $1,072 | $10,129-89.4% | $8,703-87.7% | $12,270-91.3% |