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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 | $81,457+126.4% | $103,378+78.4% | $80,911+127.9% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.6%-17.6pp |
| Annual return | 12.11% | 25.58%-13.5pp | 24.91%-12.8pp | 35.63%-23.5pp |
| Employer contribution / active EE | $1,672 | $3,107-46.2% | $3,870-56.8% | $2,756-39.3% |
| Participant deferral / active EE | $4,130 | $3,871+6.7% | $5,058-18.3% | $4,297-3.9% |
| Admin fee / account holder | $10,194 | $6,717+51.8% | $8,401+21.3% | $6,935+47.0% |