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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 | $49,976+185.8% | $66,674+114.2% | $82,637+72.9% |
| Participation rate | 59.5% | 63.1%-3.6pp | 73.7%-14.2pp | 68.1%-8.6pp |
| Annual return | 15.09% | 39.09%-24.0pp | 321.24%-306.1pp | 53.51%-38.4pp |
| Employer contribution / active EE | $414 | $1,988-79.2% | $2,620-84.2% | $2,552-83.8% |
| Participant deferral / active EE | $4,734 | $2,847+66.3% | $4,084+15.9% | $4,126+14.7% |
| Admin fee / account holder | $24,511 | $4,594+433.6% | $5,098+380.8% | $7,339+234.0% |