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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 | $157,240 | $101,063+55.6% | $81,473+93.0% | $147,586+6.5% |
| Participation rate | 53.8% | 74.5%-20.6pp | 68.0%-14.1pp | 82.8%-29.0pp |
| Annual return | 17.05% | 32.41%-15.4pp | 38.78%-21.7pp | 578.59%-561.5pp |
| Employer contribution / active EE | $795 | $3,206-75.2% | $2,568-69.0% | $4,876-83.7% |
| Participant deferral / active EE | $6,410 | $4,242+51.1% | $3,537+81.2% | $5,439+17.9% |
| Admin fee / account holder | $1,174 | $5,812-79.8% | $4,561-74.3% | $10,886-89.2% |