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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 | $81,331+46.6% | $155,534-23.4% | $80,935+47.3% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 12.48% | 33.37%-20.9pp | 64.92%-52.4pp | 35.66%-23.2pp |
| Employer contribution / active EE | $3,352 | $3,105+7.9% | $4,675-28.3% | $2,757+21.6% |
| Participant deferral / active EE | $3,078 | $3,454-10.9% | $5,630-45.3% | $4,299-28.4% |
| Admin fee / account holder | $3,281 | $7,999-59.0% | $15,900-79.4% | $6,924-52.6% |