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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 | $86,352 | $65,130+32.6% | $81,882+5.5% | - |
| Participation rate | 35.4% | 64.1%-28.8pp | 72.4%-37.0pp | - |
| Annual return | 21.87% | 13.17%+8.7pp | 779.47%-757.6pp | - |
| Employer contribution / active EE | $4,815 | $3,054+57.6% | $2,916+65.1% | - |
| Participant deferral / active EE | $2,641 | $3,258-18.9% | $4,323-38.9% | - |
| Admin fee / account holder | $1,442 | $2,232-35.4% | $7,360-80.4% | - |