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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 | $110,421 | $89,367+23.6% | $141,191-21.8% | $72,975+51.3% |
| Participation rate | 44.9% | 75.1%-30.2pp | 82.5%-37.6pp | 69.5%-24.6pp |
| Annual return | 21.65% | 111.87%-90.2pp | 71.41%-49.8pp | 81.01%-59.4pp |
| Employer contribution / active EE | $2,596 | $3,115-16.7% | $4,736-45.2% | $2,440+6.4% |
| Participant deferral / active EE | $3,147 | $5,419-41.9% | $6,710-53.1% | $3,608-12.8% |
| Admin fee / account holder | $1,731 | $5,957-70.9% | $10,264-83.1% | $5,124-66.2% |