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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 | $78,496 | $58,234+34.8% | $81,783-4.0% | $80,874-2.9% |
| Participation rate | 50.0% | 63.4%-13.4pp | 72.4%-22.4pp | 67.6%-17.6pp |
| Annual return | 11.07% | 41.70%-30.6pp | 775.05%-764.0pp | 35.62%-24.5pp |
| Employer contribution / active EE | $1,385 | $2,341-40.9% | $2,913-52.5% | $2,756-49.8% |
| Participant deferral / active EE | $4,190 | $3,283+27.6% | $4,320-3.0% | $4,297-2.5% |
| Admin fee / account holder | $3,395 | $4,982-31.8% | $7,380-54.0% | $6,935-51.0% |