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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 | $164,081 | $124,330+32.0% | $109,173+50.3% | $167,536-2.1% |
| Participation rate | 47.1% | 79.5%-32.4pp | 75.9%-28.8pp | 82.1%-35.1pp |
| Annual return | 12.55% | 26.04%-13.5pp | 25.75%-13.2pp | 478.82%-466.3pp |
| Employer contribution / active EE | $1,416 | $4,209-66.4% | $3,723-62.0% | $4,839-70.7% |
| Participant deferral / active EE | $3,478 | $5,256-33.8% | $4,654-25.3% | $6,342-45.2% |
| Admin fee / account holder | $2,400 | $7,974-69.9% | $6,755-64.5% | $12,315-80.5% |