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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 | $201,573 | $228,395-11.7% | $185,861+8.5% | $158,982+26.8% |
| Participation rate | 43.5% | 82.3%-38.8pp | 78.0%-34.6pp | 82.0%-38.5pp |
| Annual return | 15.03% | 40.82%-25.8pp | 35.96%-20.9pp | 302.99%-288.0pp |
| Employer contribution / active EE | $2,026 | $4,968-59.2% | $4,088-50.4% | $4,763-57.5% |
| Participant deferral / active EE | $3,872 | $6,417-39.7% | $5,634-31.3% | $5,983-35.3% |
| Admin fee / account holder | $3,757 | $11,869-68.3% | $9,503-60.5% | $11,252-66.6% |