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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 | $112,832 | $51,638+118.5% | $68,368+65.0% | $82,448+36.9% |
| Participation rate | 52.2% | 63.6%-11.4pp | 73.8%-21.6pp | 68.1%-15.9pp |
| Annual return | 19.73% | 37.53%-17.8pp | 292.57%-272.8pp | 41.64%-21.9pp |
| Employer contribution / active EE | $1,930 | $2,047-5.7% | $2,649-27.1% | $2,551-24.3% |
| Participant deferral / active EE | $4,473 | $2,914+53.5% | $4,123+8.5% | $4,139+8.1% |
| Admin fee / account holder | $1,816 | $4,643-60.9% | $5,150-64.7% | $7,234-74.9% |