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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 | $212,352 | $88,672+139.5% | $105,223+101.8% | $82,448+157.6% |
| Participation rate | 36.0% | 67.9%-31.9pp | 75.0%-39.0pp | 68.1%-32.1pp |
| Annual return | 16.09% | 30.86%-14.8pp | 180.65%-164.6pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,082 | $3,048-64.5% | $3,689-70.7% | $2,551-57.6% |
| Participant deferral / active EE | $2,578 | $4,036-36.1% | $5,072-49.2% | $4,139-37.7% |
| Admin fee / account holder | $2,823 | $7,146-60.5% | $8,859-68.1% | $7,234-61.0% |