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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 | $224,201 | $115,225+94.6% | $100,712+122.6% | $138,895+61.4% |
| Participation rate | 60.0% | 74.3%-14.3pp | 69.3%-9.3pp | 79.9%-19.9pp |
| Annual return | 14.38% | 40.35%-26.0pp | 33.27%-18.9pp | 145.39%-131.0pp |
| Employer contribution / active EE | $2,401 | $2,771-13.4% | $2,313+3.8% | $4,194-42.8% |
| Participant deferral / active EE | $3,649 | $4,699-22.3% | $4,085-10.7% | $6,396-42.9% |
| Admin fee / account holder | $2,472 | $10,844-77.2% | $9,256-73.3% | $12,562-80.3% |