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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 | $201,254 | $108,285+85.9% | $77,552+159.5% | $158,982+26.6% |
| Participation rate | 44.4% | 64.4%-20.0pp | 54.2%-9.7pp | 82.0%-37.5pp |
| Annual return | 11.25% | 31.69%-20.4pp | 54.82%-43.6pp | 302.99%-291.7pp |
| Employer contribution / active EE | $1,969 | $1,325+48.6% | $987+99.6% | $4,763-58.7% |
| Participant deferral / active EE | $2,255 | $2,455-8.2% | $1,861+21.2% | $5,983-62.3% |
| Admin fee / account holder | $8,847 | $3,709+138.5% | $2,859+209.4% | $11,252-21.4% |