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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 | $57,073+224.2% | $85,126+117.3% | $80,925+128.6% |
| Participation rate | 51.9% | 56.4%-4.5pp | 67.5%-15.7pp | 67.7%-15.8pp |
| Annual return | 78.47% | 21.69%+56.8pp | 66.63%+11.8pp | 35.65%+42.8pp |
| Employer contribution / active EE | $1,831 | $1,801+1.7% | $2,731-33.0% | $2,756-33.6% |
| Participant deferral / active EE | $2,852 | $3,113-8.4% | $4,523-37.0% | $4,299-33.7% |
| Admin fee / account holder | $1,861 | $4,988-62.7% | $6,160-69.8% | $6,940-73.2% |