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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 | $36,948+482.0% | $73,658+192.0% | $87,485+145.8% |
| Participation rate | 26.0% | 46.8%-20.8pp | 57.0%-31.0pp | 68.9%-42.9pp |
| Annual return | 14.60% | 28.64%-14.0pp | 29.72%-15.1pp | 26.06%-11.5pp |
| Employer contribution / active EE | $1,030 | $670+53.8% | $1,032-0.2% | $2,596-60.3% |
| Participant deferral / active EE | $3,099 | $1,379+124.7% | $2,062+50.3% | $4,274-27.5% |
| Admin fee / account holder | $15,931 | $2,531+529.5% | $3,357+374.6% | $7,775+104.9% |