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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 | $212,986 | $58,848+261.9% | $88,179+141.5% | $82,637+157.7% |
| Participation rate | 45.5% | 57.9%-12.4pp | 69.1%-23.7pp | 68.1%-22.6pp |
| Annual return | 16.90% | 22.76%-5.9pp | 64.97%-48.1pp | 53.51%-36.6pp |
| Employer contribution / active EE | $1,162 | $1,678-30.8% | $2,549-54.4% | $2,552-54.5% |
| Participant deferral / active EE | $3,643 | $3,124+16.6% | $4,614-21.0% | $4,126-11.7% |
| Admin fee / account holder | $7,037 | $4,795+46.8% | $7,673-8.3% | $7,339-4.1% |