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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 | $212,680 | $124,980+70.2% | $108,359+96.3% | $154,746+37.4% |
| Participation rate | 56.3% | 75.2%-18.9pp | 70.1%-13.9pp | 80.7%-24.5pp |
| Annual return | 11.06% | 45.00%-33.9pp | 36.89%-25.8pp | 172.34%-161.3pp |
| Employer contribution / active EE | $1,639 | $2,851-42.5% | $2,399-31.7% | $4,379-62.6% |
| Participant deferral / active EE | $4,261 | $4,743-10.2% | $4,137+3.0% | $6,730-36.7% |
| Admin fee / account holder | $35,278 | $11,502+206.7% | $9,741+262.2% | $14,365+145.6% |