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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 | $208,437 | $147,556+41.3% | $129,031+61.5% | $198,609+4.9% |
| Participation rate | 61.1% | 77.2%-16.1pp | 73.4%-12.2pp | 82.4%-21.3pp |
| Annual return | 16.37% | 37.41%-21.0pp | 34.67%-18.3pp | 202.70%-186.3pp |
| Employer contribution / active EE | $2,128 | $3,645-41.6% | $3,226-34.0% | $5,055-57.9% |
| Participant deferral / active EE | $4,386 | $5,760-23.8% | $5,217-15.9% | $6,977-37.1% |
| Admin fee / account holder | $1,436 | $15,467-90.7% | $13,208-89.1% | $19,030-92.5% |