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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 | $80,557 | $48,314+66.7% | $67,561+19.2% | $80,925-0.5% |
| Participation rate | 53.8% | 66.4%-12.6pp | 72.9%-19.2pp | 67.7%-13.9pp |
| Annual return | 13.58% | 18.28%-4.7pp | 3525.44%-3511.9pp | 35.65%-22.1pp |
| Employer contribution / active EE | $427 | $2,022-78.9% | $2,735-84.4% | $2,756-84.5% |
| Participant deferral / active EE | $3,698 | $2,927+26.4% | $4,003-7.6% | $4,299-14.0% |
| Admin fee / account holder | $6,219 | $3,690+68.6% | $4,006+55.3% | $6,940-10.4% |