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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 | $101,407 | $49,976+102.9% | $66,674+52.1% | $82,637+22.7% |
| Participation rate | 55.8% | 63.1%-7.3pp | 73.7%-17.9pp | 68.1%-12.2pp |
| Annual return | 13.61% | 39.09%-25.5pp | 321.24%-307.6pp | 53.51%-39.9pp |
| Employer contribution / active EE | $1,018 | $1,988-48.8% | $2,620-61.1% | $2,552-60.1% |
| Participant deferral / active EE | $3,152 | $2,847+10.7% | $4,084-22.8% | $4,126-23.6% |
| Admin fee / account holder | $2,220 | $4,594-51.7% | $5,098-56.5% | $7,339-69.7% |