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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 | $161,074 | $35,183+357.8% | $73,550+119.0% | $70,126+129.7% |
| Participation rate | 18.9% | 42.9%-24.0pp | 54.9%-36.0pp | 69.5%-50.7pp |
| Annual return | 19.25% | 26.90%-7.6pp | -15.16%+34.4pp | 73.15%-53.9pp |
| Employer contribution / active EE | $412 | $709-41.8% | $1,219-66.2% | $2,343-82.4% |
| Participant deferral / active EE | $1,182 | $1,220-3.1% | $1,804-34.5% | $3,332-64.5% |
| Admin fee / account holder | $27,967 | $2,302+1114.8% | $2,320+1105.6% | $4,645+502.0% |