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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 | $168,478 | $124,330+35.5% | $109,173+54.3% | $167,536+0.6% |
| Participation rate | 57.9% | 79.5%-21.6pp | 75.9%-18.0pp | 82.1%-24.2pp |
| Annual return | 17.03% | 26.04%-9.0pp | 25.75%-8.7pp | 478.82%-461.8pp |
| Employer contribution / active EE | $1,718 | $4,209-59.2% | $3,723-53.9% | $4,839-64.5% |
| Participant deferral / active EE | $5,630 | $5,256+7.1% | $4,654+21.0% | $6,342-11.2% |
| Admin fee / account holder | $17,375 | $7,974+117.9% | $6,755+157.2% | $12,315+41.1% |