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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 | $153,012 | $39,036+292.0% | $80,784+89.4% | $85,851+78.2% |
| Participation rate | 19.0% | 41.6%-22.5pp | 54.2%-35.1pp | 69.3%-50.3pp |
| Annual return | 13.82% | 26.31%-12.5pp | 87.31%-73.5pp | 318.63%-304.8pp |
| Employer contribution / active EE | $632 | $722-12.5% | $1,160-45.5% | $2,565-75.4% |
| Participant deferral / active EE | $1,721 | $1,326+29.7% | $2,145-19.8% | $3,952-56.5% |
| Admin fee / account holder | $6,909 | $2,429+184.5% | $3,380+104.4% | $6,261+10.4% |