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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 | $169,343 | $63,703+165.8% | $93,063+82.0% | $82,448+105.4% |
| Participation rate | 51.4% | 63.8%-12.5pp | 72.1%-20.8pp | 68.1%-16.7pp |
| Annual return | 13.44% | -775.43%+788.9pp | 34.15%-20.7pp | 41.64%-28.2pp |
| Employer contribution / active EE | $1,308 | $1,729-24.3% | $2,476-47.2% | $2,551-48.7% |
| Participant deferral / active EE | $5,590 | $2,919+91.5% | $3,958+41.2% | $4,139+35.1% |
| Admin fee / account holder | $35,647 | $5,982+495.9% | $6,033+490.8% | $7,234+392.7% |