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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 | $100,913 | $76,407+32.1% | $150,298-32.9% | $82,448+22.4% |
| Participation rate | 48.6% | 66.4%-17.8pp | 77.8%-29.2pp | 68.1%-19.5pp |
| Annual return | 14.00% | 39.99%-26.0pp | 62.79%-48.8pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,252 | $2,614-52.1% | $4,154-69.9% | $2,551-50.9% |
| Participant deferral / active EE | $3,782 | $3,214+17.7% | $5,453-30.6% | $4,139-8.6% |
| Admin fee / account holder | $9,938 | $6,352+56.5% | $14,116-29.6% | $7,234+37.4% |