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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 | $157,806 | $106,280+48.5% | $96,538+63.5% | $139,487+13.1% |
| Participation rate | 55.6% | 77.8%-22.3pp | 74.3%-18.8pp | 80.3%-24.8pp |
| Annual return | 12.13% | 38.48%-26.4pp | 35.74%-23.6pp | 373.84%-361.7pp |
| Employer contribution / active EE | $1,303 | $4,107-68.3% | $3,740-65.2% | $4,755-72.6% |
| Participant deferral / active EE | $2,891 | $5,457-47.0% | $4,880-40.8% | $6,713-56.9% |
| Admin fee / account holder | $28,700 | $7,888+263.8% | $6,737+326.0% | $11,407+151.6% |