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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 | $242,205 | $70,418+244.0% | $96,570+150.8% | $85,847+182.1% |
| Participation rate | 32.3% | 61.8%-29.6pp | 69.8%-37.6pp | 69.3%-37.1pp |
| Annual return | 16.91% | 18.59%-1.7pp | 37.79%-20.9pp | 318.61%-301.7pp |
| Employer contribution / active EE | $1,034 | $1,413-26.8% | $2,357-56.1% | $2,565-59.7% |
| Participant deferral / active EE | $1,982 | $2,894-31.5% | $3,849-48.5% | $3,952-49.8% |
| Admin fee / account holder | $4,802 | $4,995-3.9% | $6,182-22.3% | $6,261-23.3% |