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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 | $117,192 | $88,672+32.2% | $105,223+11.4% | $82,448+42.1% |
| Participation rate | 42.9% | 67.9%-25.1pp | 75.0%-32.2pp | 68.1%-25.2pp |
| Annual return | 18.10% | 30.86%-12.8pp | 180.65%-162.6pp | 41.64%-23.5pp |
| Employer contribution / active EE | $1,406 | $3,048-53.9% | $3,689-61.9% | $2,551-44.9% |
| Participant deferral / active EE | $5,507 | $4,036+36.4% | $5,072+8.6% | $4,139+33.0% |
| Admin fee / account holder | $32,128 | $7,146+349.6% | $8,859+262.7% | $7,234+344.1% |