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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 | $192,591 | $85,060+126.4% | $70,565+172.9% | $139,487+38.1% |
| Participation rate | 47.1% | 73.9%-26.8pp | 68.4%-21.3pp | 80.3%-33.3pp |
| Annual return | 17.98% | 30.39%-12.4pp | 32.79%-14.8pp | 373.84%-355.9pp |
| Employer contribution / active EE | $1,843 | $3,912-52.9% | $2,976-38.1% | $4,755-61.2% |
| Participant deferral / active EE | $5,922 | $5,891+0.5% | $4,568+29.6% | $6,713-11.8% |
| Admin fee / account holder | $17,680 | $8,932+97.9% | $6,430+175.0% | $11,407+55.0% |