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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 | $235,801 | $93,345+152.6% | $119,126+97.9% | $87,485+169.5% |
| Participation rate | 57.1% | 68.7%-11.6pp | 75.8%-18.6pp | 68.9%-11.8pp |
| Annual return | 24.46% | 19.08%+5.4pp | 282.11%-257.7pp | 26.06%-1.6pp |
| Employer contribution / active EE | $1,558 | $3,172-50.9% | $4,034-61.4% | $2,596-40.0% |
| Participant deferral / active EE | $5,864 | $4,099+43.1% | $5,318+10.3% | $4,274+37.2% |
| Admin fee / account holder | $656 | $8,039-91.8% | $10,693-93.9% | $7,775-91.6% |