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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 | $199,981 | $106,749+87.3% | $145,433+37.5% | $82,448+142.6% |
| Participation rate | 50.0% | 75.6%-25.6pp | 82.1%-32.1pp | 68.1%-18.1pp |
| Annual return | 15.99% | 27.59%-11.6pp | 66.58%-50.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $791 | $3,444-77.0% | $4,554-82.6% | $2,551-69.0% |
| Participant deferral / active EE | $6,453 | $6,519-1.0% | $7,897-18.3% | $4,139+55.9% |
| Admin fee / account holder | $10,417 | $8,390+24.2% | $13,129-20.7% | $7,234+44.0% |