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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 | $122,051 | $60,442+101.9% | $96,754+26.1% | $87,485+39.5% |
| Participation rate | 46.9% | 58.7%-11.8pp | 70.3%-23.3pp | 68.9%-22.0pp |
| Annual return | 19.12% | 21.97%-2.9pp | 82.04%-62.9pp | 26.06%-6.9pp |
| Employer contribution / active EE | $1,452 | $1,691-14.1% | $2,679-45.8% | $2,596-44.1% |
| Participant deferral / active EE | $3,633 | $3,280+10.8% | $4,758-23.7% | $4,274-15.0% |
| Admin fee / account holder | $1,742 | $5,069-65.6% | $8,905-80.4% | $7,775-77.6% |