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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 | $180,743 | $91,536+97.5% | $130,062+39.0% | $75,177+140.4% |
| Participation rate | 65.4% | 71.5%-6.1pp | 78.5%-13.1pp | 67.2%-1.8pp |
| Annual return | 14.28% | -631.62%+645.9pp | -137.37%+151.6pp | 160.75%-146.5pp |
| Employer contribution / active EE | $1,967 | $2,845-30.8% | $4,322-54.5% | $2,671-26.3% |
| Participant deferral / active EE | $11,553 | $4,343+166.0% | $5,821+98.5% | $4,126+180.0% |
| Admin fee / account holder | $29,661 | $6,780+337.5% | $10,601+179.8% | $5,651+424.8% |