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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 | $178,155 | $101,618+75.3% | $93,063+91.4% | $137,256+29.8% |
| Participation rate | 50.0% | 74.9%-24.9pp | 72.1%-22.1pp | 80.0%-30.0pp |
| Annual return | 22.02% | 223.95%-201.9pp | 34.15%-12.1pp | 220.34%-198.3pp |
| Employer contribution / active EE | $0 | $2,707-100.0% | $2,476-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $9,225 | $4,279+115.6% | $3,958+133.1% | $6,407+44.0% |
| Admin fee / account holder | $2,553 | $6,198-58.8% | $6,033-57.7% | $12,270-79.2% |