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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 | $200,485 | $210,510-4.8% | $153,500+30.6% | $145,877+37.4% |
| Participation rate | 69.6% | 82.1%-12.6pp | 77.1%-7.5pp | 80.3%-10.7pp |
| Annual return | 15.70% | 13.45%+2.2pp | 15.70%0pp | 551.28%-535.6pp |
| Employer contribution / active EE | $1,910 | $6,052-68.4% | $5,039-62.1% | $4,663-59.0% |
| Participant deferral / active EE | $3,044 | $7,974-61.8% | $6,756-54.9% | $6,691-54.5% |
| Admin fee / account holder | $6,028 | $19,455-69.0% | $12,736-52.7% | $13,402-55.0% |