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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 | $165,695 | $104,251+58.9% | $91,004+82.1% | $147,586+12.3% |
| Participation rate | 44.4% | 78.2%-33.8pp | 75.6%-31.2pp | 82.8%-38.4pp |
| Annual return | 13.29% | 27.06%-13.8pp | 4.60%+8.7pp | 578.59%-565.3pp |
| Employer contribution / active EE | $2,085 | $3,116-33.1% | $2,456-15.1% | $4,876-57.3% |
| Participant deferral / active EE | $3,611 | $4,195-13.9% | $3,548+1.8% | $5,439-33.6% |
| Admin fee / account holder | $414 | $8,948-95.4% | $5,417-92.4% | $10,886-96.2% |