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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 | $133,148 | $61,125+117.8% | $94,057+41.6% | $87,485+52.2% |
| Participation rate | 48.9% | 64.1%-15.1pp | 73.3%-24.4pp | 68.9%-20.0pp |
| Annual return | 16.70% | 35.20%-18.5pp | 480.62%-463.9pp | 26.06%-9.4pp |
| Employer contribution / active EE | $721 | $2,136-66.3% | $2,933-75.4% | $2,596-72.2% |
| Participant deferral / active EE | $3,385 | $3,260+3.8% | $4,709-28.1% | $4,274-20.8% |
| Admin fee / account holder | $13,314 | $5,629+136.5% | $7,244+83.8% | $7,775+71.2% |