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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 | $245,335 | $105,623+132.3% | $87,502+180.4% | $273,972-10.5% |
| Participation rate | 50.0% | 78.2%-28.2pp | 73.8%-23.8pp | 83.0%-33.0pp |
| Annual return | 10.92% | 12.26%-1.3pp | 12.21%-1.3pp | 41.46%-30.5pp |
| Employer contribution / active EE | $1,130 | $3,141-64.0% | $2,550-55.7% | $4,869-76.8% |
| Participant deferral / active EE | $12,000 | $3,601+233.3% | $3,149+281.1% | $5,287+127.0% |
| Admin fee / account holder | $2,125 | $4,781-55.6% | $4,221-49.7% | $10,133-79.0% |