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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 | $117,904+42.2% | $102,457+63.6% | $145,978+14.8% |
| Participation rate | 57.1% | 78.6%-21.5pp | 76.5%-19.4pp | 80.3%-23.1pp |
| Annual return | 15.97% | 31.80%-15.8pp | 29.41%-13.4pp | 550.52%-534.5pp |
| Employer contribution / active EE | $0 | $3,613-100.0% | $3,022-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,519 | $5,733-56.1% | $5,054-50.2% | $6,690-62.3% |
| Admin fee / account holder | $1,966 | $13,329-85.3% | $9,451-79.2% | $13,400-85.3% |