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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 | $167,640 | $117,846+42.3% | $102,434+63.7% | $145,884+14.9% |
| Participation rate | 57.1% | 78.6%-21.5pp | 76.5%-19.4pp | 80.3%-23.2pp |
| Annual return | 15.97% | 31.90%-15.9pp | 29.46%-13.5pp | 551.85%-535.9pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,519 | $5,733-56.1% | $5,055-50.2% | $6,690-62.3% |
| Admin fee / account holder | $1,966 | $13,356-85.3% | $9,462-79.2% | $13,392-85.3% |