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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 | $145,512 | $149,679-2.8% | $117,039+24.3% | $147,585-1.4% |
| Participation rate | 28.6% | 83.5%-54.9pp | 77.2%-48.6pp | 82.8%-54.3pp |
| Annual return | 20.70% | 19.31%+1.4pp | 18.95%+1.8pp | 578.58%-557.9pp |
| Employer contribution / active EE | $816 | $4,937-83.5% | $3,785-78.5% | $4,876-83.3% |
| Participant deferral / active EE | $2,624 | $4,912-46.6% | $3,929-33.2% | $5,439-51.7% |
| Admin fee / account holder | $33,481 | $7,856+326.2% | $5,974+460.5% | $10,886+207.6% |