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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 | $214,525 | $93,345+129.8% | $119,126+80.1% | $87,485+145.2% |
| Participation rate | 34.0% | 68.7%-34.8pp | 75.8%-41.8pp | 68.9%-35.0pp |
| Annual return | 12.40% | 19.08%-6.7pp | 282.11%-269.7pp | 26.06%-13.7pp |
| Employer contribution / active EE | $835 | $3,172-73.7% | $4,034-79.3% | $2,596-67.8% |
| Participant deferral / active EE | $2,498 | $4,099-39.0% | $5,318-53.0% | $4,274-41.5% |
| Admin fee / account holder | $6,331 | $8,039-21.2% | $10,693-40.8% | $7,775-18.6% |