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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 | $194,716 | $104,664+86.0% | $85,693+127.2% | $167,518+16.2% |
| Participation rate | 45.8% | 76.4%-30.5pp | 69.9%-24.0pp | 82.1%-36.3pp |
| Annual return | 15.05% | 21.45%-6.4pp | 21.49%-6.4pp | 478.71%-463.7pp |
| Employer contribution / active EE | $1,584 | $3,337-52.5% | $2,618-39.5% | $4,838-67.3% |
| Participant deferral / active EE | $4,127 | $4,824-14.5% | $3,923+5.2% | $6,342-34.9% |
| Admin fee / account holder | $3,088 | $10,032-69.2% | $6,874-55.1% | $12,312-74.9% |