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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 | $178,006 | $47,944+271.3% | $67,834+162.4% | $62,881+183.1% |
| Participation rate | 60.7% | 61.1%-0.4pp | 68.8%-8.1pp | 69.3%-8.6pp |
| Annual return | 8.13% | 11.77%-3.6pp | 138.47%-130.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,332 | $2,247+226.4% | $3,160+132.1% | $3,203+128.9% |
| Admin fee / account holder | $1,046 | $3,712-71.8% | $4,622-77.4% | $4,296-75.7% |