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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 | $137,675 | $78,682+75.0% | $109,188+26.1% | $85,851+60.4% |
| Participation rate | 58.3% | 68.3%-9.9pp | 75.9%-17.5pp | 69.3%-11.0pp |
| Annual return | 11.84% | 25.09%-13.3pp | 25.76%-13.9pp | 318.63%-306.8pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $6,240 | $3,468+79.9% | $4,654+34.1% | $3,952+57.9% |
| Admin fee / account holder | $19,666 | $5,470+259.6% | $6,755+191.1% | $6,261+214.1% |