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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 | $189,588 | $97,648+94.2% | $121,663+55.8% | $87,485+116.7% |
| Participation rate | 37.7% | 70.5%-32.7pp | 74.5%-36.8pp | 68.9%-31.2pp |
| Annual return | 17.80% | 18.03%-0.2pp | 147.54%-129.7pp | 26.06%-8.3pp |
| Employer contribution / active EE | $1,226 | $2,300-46.7% | $3,020-59.4% | $2,596-52.8% |
| Participant deferral / active EE | $2,110 | $3,923-46.2% | $4,887-56.8% | $4,274-50.6% |
| Admin fee / account holder | $1,980 | $11,100-82.2% | $14,289-86.1% | $7,775-74.5% |