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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 | $115,538 | $51,638+123.7% | $68,368+69.0% | $82,448+40.1% |
| Participation rate | 35.5% | 63.6%-28.1pp | 73.8%-38.3pp | 68.1%-32.6pp |
| Annual return | 16.99% | 37.53%-20.5pp | 292.57%-275.6pp | 41.64%-24.6pp |
| Employer contribution / active EE | $911 | $2,047-55.5% | $2,649-65.6% | $2,551-64.3% |
| Participant deferral / active EE | $4,390 | $2,914+50.7% | $4,123+6.5% | $4,139+6.1% |
| Admin fee / account holder | $2,331 | $4,643-49.8% | $5,150-54.7% | $7,234-67.8% |