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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 | $220,055 | $57,352+283.7% | $83,831+162.5% | $64,173+242.9% |
| Participation rate | 13.8% | 68.6%-54.8pp | 76.1%-62.3pp | 69.6%-55.7pp |
| Annual return | 5.22% | 11.38%-6.2pp | 850.99%-845.8pp | 7.63%-2.4pp |
| Employer contribution / active EE | $854 | $2,546-66.5% | $3,631-76.5% | $2,381-64.1% |
| Participant deferral / active EE | $2,221 | $2,993-25.8% | $4,082-45.6% | $3,470-36.0% |
| Admin fee / account holder | $483 | $4,046-88.1% | $5,479-91.2% | $4,887-90.1% |