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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 | $133,148 | $51,638+157.9% | $68,368+94.8% | $82,448+61.5% |
| Participation rate | 48.9% | 63.6%-14.7pp | 73.8%-24.8pp | 68.1%-19.1pp |
| Annual return | 16.70% | 37.53%-20.8pp | 292.57%-275.9pp | 41.64%-24.9pp |
| Employer contribution / active EE | $721 | $2,047-64.8% | $2,649-72.8% | $2,551-71.7% |
| Participant deferral / active EE | $3,385 | $2,914+16.2% | $4,123-17.9% | $4,139-18.2% |
| Admin fee / account holder | $13,314 | $4,643+186.7% | $5,150+158.5% | $7,234+84.0% |