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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 | $185,014 | $57,140+223.8% | $85,240+117.1% | $80,959+128.5% |
| Participation rate | 51.9% | 56.4%-4.6pp | 67.5%-15.7pp | 67.7%-15.8pp |
| Annual return | 78.47% | 21.71%+56.8pp | 66.75%+11.7pp | 35.67%+42.8pp |
| Employer contribution / active EE | $1,831 | $1,802+1.6% | $2,735-33.1% | $2,757-33.6% |
| Participant deferral / active EE | $2,852 | $3,115-8.5% | $4,527-37.0% | $4,300-33.7% |
| Admin fee / account holder | $1,861 | $4,992-62.7% | $6,165-69.8% | $6,925-73.1% |