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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 | $215,051 | $29,319+633.5% | $52,425+310.2% | $82,448+160.8% |
| Participation rate | 26.0% | 46.9%-20.9pp | 55.6%-29.6pp | 68.1%-42.1pp |
| Annual return | 14.60% | 535.20%-520.6pp | 302.12%-287.5pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,030 | $586+75.7% | $914+12.7% | $2,551-59.6% |
| Participant deferral / active EE | $3,099 | $1,171+164.6% | $1,790+73.1% | $4,139-25.1% |
| Admin fee / account holder | $15,931 | $1,962+711.9% | $2,495+538.5% | $7,234+120.2% |