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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 | $246,213 | $100,004+146.2% | $81,438+202.3% | $145,959+68.7% |
| Participation rate | 53.8% | 74.2%-20.3pp | 69.5%-15.7pp | 80.3%-26.4pp |
| Annual return | 14.45% | 34.34%-19.9pp | 24.74%-10.3pp | 561.95%-547.5pp |
| Employer contribution / active EE | $825 | $2,970-72.2% | $2,460-66.5% | $4,661-82.3% |
| Participant deferral / active EE | $6,569 | $4,603+42.7% | $3,883+69.2% | $6,689-1.8% |
| Admin fee / account holder | $1,218 | $8,202-85.2% | $5,764-78.9% | $13,398-90.9% |