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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 | $95,642 | $45,343+110.9% | $150,298-36.4% | $67,986+40.7% |
| Participation rate | 54.6% | 51.9%+2.8pp | 77.8%-23.1pp | 57.2%-2.6pp |
| Annual return | 21.60% | 33.28%-11.7pp | 62.79%-41.2pp | 31.67%-10.1pp |
| Employer contribution / active EE | $3,167 | $1,462+116.6% | $4,154-23.8% | $2,019+56.9% |
| Participant deferral / active EE | $7,840 | $2,055+281.6% | $5,453+43.8% | $3,358+133.5% |
| Admin fee / account holder | $5,062 | $2,250+125.0% | $14,116-64.1% | $3,203+58.0% |