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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 | $112,729+98.9% | $98,716+127.1% | $137,256+63.3% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 14.38% | 38.48%-24.1pp | 31.81%-17.4pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,401 | $2,725-11.9% | $2,279+5.4% | $4,156-42.2% |
| Participant deferral / active EE | $3,649 | $4,640-21.4% | $4,048-9.8% | $6,407-43.0% |
| Admin fee / account holder | $2,472 | $10,129-75.6% | $8,703-71.6% | $12,270-79.9% |