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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 | $181,287 | $65,034+178.8% | $90,970+99.3% | $79,856+127.0% |
| Participation rate | 28.0% | 61.6%-33.6pp | 69.0%-41.0pp | 69.6%-41.6pp |
| Annual return | 16.99% | 30.45%-13.5pp | 134.60%-117.6pp | 31.71%-14.7pp |
| Employer contribution / active EE | $746 | $1,247-40.2% | $2,122-64.9% | $2,471-69.8% |
| Participant deferral / active EE | $2,219 | $2,512-11.7% | $3,373-34.2% | $3,741-40.7% |
| Admin fee / account holder | $2,707 | $4,536-40.3% | $5,961-54.6% | $5,306-49.0% |