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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 | $68,852+135.8% | $120,524+34.7% | $80,925+100.6% |
| Participation rate | 28.0% | 61.6%-33.6pp | 71.9%-43.9pp | 67.7%-39.7pp |
| Annual return | 14.39% | 23.67%-9.3pp | 107.36%-93.0pp | 35.65%-21.3pp |
| Employer contribution / active EE | $869 | $2,063-57.9% | $3,469-74.9% | $2,756-68.5% |
| Participant deferral / active EE | $1,639 | $3,187-48.6% | $4,994-67.2% | $4,299-61.9% |
| Admin fee / account holder | $23,674 | $5,781+309.5% | $9,440+150.8% | $6,940+241.1% |