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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 | $121,704 | $98,776+23.2% | $149,745-18.7% | $79,856+52.4% |
| Participation rate | 42.1% | 75.8%-33.7pp | 82.5%-40.4pp | 69.6%-27.5pp |
| Annual return | 13.53% | 27.38%-13.8pp | 276.72%-263.2pp | 31.71%-18.2pp |
| Employer contribution / active EE | $2,353 | $3,217-26.9% | $4,646-49.4% | $2,471-4.8% |
| Participant deferral / active EE | $4,852 | $5,681-14.6% | $6,843-29.1% | $3,741+29.7% |
| Admin fee / account holder | $419 | $6,053-93.1% | $9,312-95.5% | $5,306-92.1% |