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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 | $245,858 | $215,361+14.2% | $171,082+43.7% | $273,972-10.3% |
| Participation rate | 66.7% | 82.0%-15.4pp | 76.7%-10.0pp | 83.0%-16.3pp |
| Annual return | 1.67% | 25.14%-23.5pp | 32.56%-30.9pp | 41.46%-39.8pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $10,297 | $5,543+85.8% | $4,797+114.6% | $5,287+94.8% |
| Admin fee / account holder | $20,457 | $10,846+88.6% | $8,520+140.1% | $10,133+101.9% |