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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 | $229,620 | $71,197+222.5% | $93,669+145.1% | $80,925+183.7% |
| Participation rate | 27.5% | 60.4%-32.9pp | 68.7%-41.2pp | 67.7%-40.2pp |
| Annual return | 22.04% | 11.27%+10.8pp | 133.59%-111.5pp | 35.65%-13.6pp |
| Employer contribution / active EE | $893 | $1,565-42.9% | $2,424-63.1% | $2,756-67.6% |
| Participant deferral / active EE | $2,136 | $4,036-47.1% | $4,416-51.6% | $4,299-50.3% |
| Admin fee / account holder | $62,841 | $6,959+803.0% | $8,291+657.9% | $6,940+805.5% |