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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 | $162,361 | $68,880+135.7% | $120,580+34.6% | $80,959+100.5% |
| Participation rate | 28.0% | 61.7%-33.7pp | 72.0%-44.0pp | 67.7%-39.7pp |
| Annual return | 14.39% | 23.68%-9.3pp | 107.48%-93.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $869 | $2,066-57.9% | $3,469-74.9% | $2,757-68.5% |
| Participant deferral / active EE | $1,639 | $3,191-48.6% | $4,995-67.2% | $4,300-61.9% |
| Admin fee / account holder | $23,674 | $5,785+309.2% | $9,418+151.4% | $6,925+241.9% |