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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 | $89,262 | $50,534+76.6% | $213,469-58.2% | $64,340+38.7% |
| Participation rate | 42.1% | 46.3%-4.2pp | 77.1%-35.1pp | 55.2%-13.2pp |
| Annual return | 14.42% | 38.98%-24.6pp | 20.58%-6.2pp | 24.14%-9.7pp |
| Employer contribution / active EE | $1,601 | $1,419+12.8% | $4,994-67.9% | $1,862-14.0% |
| Participant deferral / active EE | $3,936 | $2,901+35.7% | $6,841-42.5% | $2,980+32.1% |
| Admin fee / account holder | $2,795 | $4,263-34.5% | $27,141-89.7% | $3,703-24.5% |