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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 | $119,216 | $81,262+46.7% | $155,602-23.4% | $80,911+47.3% |
| Participation rate | 50.0% | 66.2%-16.2pp | 78.2%-28.2pp | 67.6%-17.6pp |
| Annual return | 12.48% | 33.34%-20.9pp | 64.81%-52.3pp | 35.63%-23.1pp |
| Employer contribution / active EE | $3,352 | $3,102+8.0% | $4,675-28.3% | $2,756+21.6% |
| Participant deferral / active EE | $3,078 | $3,451-10.8% | $5,629-45.3% | $4,297-28.4% |
| Admin fee / account holder | $3,281 | $7,992-58.9% | $15,923-79.4% | $6,935-52.7% |