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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 | $132,815 | $96,731+37.3% | $123,973+7.1% | $86,983+52.7% |
| Participation rate | 57.1% | 70.0%-12.9pp | 76.7%-19.5pp | 69.5%-12.4pp |
| Annual return | 27.58% | 17.33%+10.3pp | 388.13%-360.5pp | 25.83%+1.8pp |
| Employer contribution / active EE | $1,925 | $3,297-41.6% | $4,126-53.3% | $2,584-25.5% |
| Participant deferral / active EE | $2,625 | $4,152-36.8% | $5,247-50.0% | $4,194-37.4% |
| Admin fee / account holder | $24,624 | $8,722+182.3% | $11,799+108.7% | $7,856+213.4% |