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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 | $49,976+166.4% | $66,674+99.7% | $82,637+61.1% |
| Participation rate | 48.9% | 63.1%-14.2pp | 73.7%-24.7pp | 68.1%-19.1pp |
| Annual return | 16.70% | 39.09%-22.4pp | 321.24%-304.5pp | 53.51%-36.8pp |
| Employer contribution / active EE | $721 | $1,988-63.8% | $2,620-72.5% | $2,552-71.8% |
| Participant deferral / active EE | $3,385 | $2,847+18.9% | $4,084-17.1% | $4,126-18.0% |
| Admin fee / account holder | $13,314 | $4,594+189.8% | $5,098+161.2% | $7,339+81.4% |