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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 | $103,374 | $63,346+63.2% | $92,240+12.1% | $70,126+47.4% |
| Participation rate | 46.5% | 68.7%-22.2pp | 76.5%-30.0pp | 69.5%-23.0pp |
| Annual return | 17.37% | 530.19%-512.8pp | 176.29%-158.9pp | 73.15%-55.8pp |
| Employer contribution / active EE | $2,021 | $2,471-18.2% | $3,680-45.1% | $2,343-13.7% |
| Participant deferral / active EE | $4,562 | $2,854+59.9% | $3,897+17.1% | $3,332+36.9% |
| Admin fee / account holder | $1,358 | $3,841-64.6% | $5,194-73.9% | $4,645-70.8% |