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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 | $113,563 | $48,364+134.8% | $71,796+58.2% | $62,881+80.6% |
| Participation rate | 36.5% | 60.6%-24.1pp | 69.1%-32.6pp | 69.3%-32.8pp |
| Annual return | 8.54% | 13.16%-4.6pp | 78.04%-69.5pp | 20.14%-11.6pp |
| Employer contribution / active EE | $1,019 | $1,042-2.2% | $1,924-47.1% | $2,281-55.3% |
| Participant deferral / active EE | $3,190 | $2,091+52.5% | $2,794+14.2% | $3,203-0.4% |
| Admin fee / account holder | $1,354 | $3,771-64.1% | $4,815-71.9% | $4,296-68.5% |