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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 | $158,928 | $102,385+55.2% | $147,080+8.1% | $80,935+96.4% |
| Participation rate | 41.7% | 75.9%-34.2pp | 82.2%-40.5pp | 67.7%-26.0pp |
| Annual return | 26.44% | 135.09%-108.6pp | 420.17%-393.7pp | 35.66%-9.2pp |
| Employer contribution / active EE | $1,783 | $3,717-52.0% | $4,933-63.9% | $2,757-35.3% |
| Participant deferral / active EE | $3,789 | $6,651-43.0% | $8,066-53.0% | $4,299-11.9% |
| Admin fee / account holder | $21,034 | $7,951+164.5% | $12,989+61.9% | $6,924+203.8% |