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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 | $102,065 | $51,638+97.7% | $129,406-21.1% | $80,959+26.1% |
| Participation rate | 21.3% | 56.9%-35.7pp | 69.6%-48.4pp | 67.7%-46.4pp |
| Annual return | 11.61% | 20.78%-9.2pp | 9468.18%-9456.6pp | 35.67%-24.1pp |
| Employer contribution / active EE | $595 | $1,584-62.4% | $4,155-85.7% | $2,757-78.4% |
| Participant deferral / active EE | $1,153 | $2,670-56.8% | $4,167-72.3% | $4,300-73.2% |
| Admin fee / account holder | $6,070 | $4,313+40.7% | $7,689-21.1% | $6,925-12.3% |