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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 | $113,612 | $39,028+191.1% | $80,741+40.7% | $85,847+32.3% |
| Participation rate | 21.4% | 41.6%-20.1pp | 54.2%-32.7pp | 69.3%-47.9pp |
| Annual return | 12.05% | 26.31%-14.3pp | 87.30%-75.3pp | 318.61%-306.6pp |
| Employer contribution / active EE | $803 | $722+11.2% | $1,160-30.8% | $2,565-68.7% |
| Participant deferral / active EE | $2,008 | $1,326+51.4% | $2,145-6.4% | $3,952-49.2% |
| Admin fee / account holder | $9,630 | $2,429+296.4% | $3,380+184.9% | $6,261+53.8% |