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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 | $132,815 | $89,259+48.8% | $107,187+23.9% | $82,637+60.7% |
| Participation rate | 57.1% | 67.9%-10.8pp | 75.0%-17.9pp | 68.1%-10.9pp |
| Annual return | 27.58% | 21.02%+6.6pp | 204.55%-177.0pp | 53.51%-25.9pp |
| Employer contribution / active EE | $1,925 | $3,080-37.5% | $3,782-49.1% | $2,552-24.6% |
| Participant deferral / active EE | $2,625 | $4,037-35.0% | $5,096-48.5% | $4,126-36.4% |
| Admin fee / account holder | $24,624 | $7,381+233.6% | $9,162+168.7% | $7,339+235.5% |