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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 | $158,795 | $66,431+139.0% | $109,916+44.5% | $85,851+85.0% |
| Participation rate | 67.6% | 63.9%+3.8pp | 74.2%-6.6pp | 69.3%-1.7pp |
| Annual return | 15.37% | 19.59%-4.2pp | 29.46%-14.1pp | 318.63%-303.3pp |
| Employer contribution / active EE | $1,409 | $1,688-16.5% | $2,844-50.5% | $2,565-45.1% |
| Participant deferral / active EE | $6,982 | $2,844+145.5% | $4,047+72.5% | $3,952+76.7% |
| Admin fee / account holder | $30,086 | $4,559+559.9% | $6,069+395.7% | $6,261+380.5% |