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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 | $68,573+136.8% | $120,368+34.9% | $80,874+100.8% |
| Participation rate | 28.0% | 61.6%-33.6pp | 71.9%-43.9pp | 67.6%-39.6pp |
| Annual return | 14.39% | 23.61%-9.2pp | 107.26%-92.9pp | 35.62%-21.2pp |
| Employer contribution / active EE | $869 | $2,052-57.6% | $3,465-74.9% | $2,756-68.5% |
| Participant deferral / active EE | $1,639 | $3,174-48.3% | $4,991-67.2% | $4,297-61.8% |
| Admin fee / account holder | $23,674 | $5,734+312.9% | $9,429+151.1% | $6,935+241.4% |