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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 | $203,746 | $72,269+181.9% | $101,271+101.2% | $79,852+155.2% |
| Participation rate | 25.0% | 68.5%-43.5pp | 75.8%-50.8pp | 69.6%-44.6pp |
| Annual return | 11.90% | 22.29%-10.4pp | 46.48%-34.6pp | 31.72%-19.8pp |
| Employer contribution / active EE | $1,246 | $2,692-53.7% | $3,660-66.0% | $2,471-49.6% |
| Participant deferral / active EE | $3,050 | $3,282-7.0% | $4,371-30.2% | $3,740-18.4% |
| Admin fee / account holder | $11,802 | $4,401+168.2% | $5,948+98.4% | $5,306+122.4% |