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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 | $142,839 | $61,125+133.7% | $94,057+51.9% | $87,485+63.3% |
| Participation rate | 59.5% | 64.1%-4.6pp | 73.3%-13.9pp | 68.9%-9.5pp |
| Annual return | 15.09% | 35.20%-20.1pp | 480.62%-465.5pp | 26.06%-11.0pp |
| Employer contribution / active EE | $414 | $2,136-80.6% | $2,933-85.9% | $2,596-84.1% |
| Participant deferral / active EE | $4,734 | $3,260+45.2% | $4,709+0.5% | $4,274+10.8% |
| Admin fee / account holder | $24,511 | $5,629+335.5% | $7,244+238.3% | $7,775+215.3% |