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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 | $184,396 | $81,504+126.2% | $102,437+80.0% | $80,959+127.8% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 12.11% | 25.60%-13.5pp | 24.95%-12.8pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,672 | $3,104-46.1% | $3,871-56.8% | $2,757-39.3% |
| Participant deferral / active EE | $4,130 | $3,871+6.7% | $5,060-18.4% | $4,300-4.0% |
| Admin fee / account holder | $10,194 | $6,719+51.7% | $8,388+21.5% | $6,925+47.2% |