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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 | $151,873 | $124,330+22.2% | $109,173+39.1% | $167,536-9.3% |
| Participation rate | 52.9% | 79.5%-26.5pp | 75.9%-22.9pp | 82.1%-29.2pp |
| Annual return | 13.66% | 26.04%-12.4pp | 25.75%-12.1pp | 478.82%-465.2pp |
| Employer contribution / active EE | $1,583 | $4,209-62.4% | $3,723-57.5% | $4,839-67.3% |
| Participant deferral / active EE | $4,034 | $5,256-23.3% | $4,654-13.3% | $6,342-36.4% |
| Admin fee / account holder | $2,825 | $7,974-64.6% | $6,755-58.2% | $12,315-77.1% |