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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 | $94,198 | $55,930+68.4% | $76,089+23.8% | $80,925+16.4% |
| Participation rate | 58.6% | 62.1%-3.4pp | 69.1%-10.5pp | 67.7%-9.0pp |
| Annual return | 12.52% | 20.58%-8.1pp | 360.94%-348.4pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,457 | $1,866-21.9% | $2,690-45.8% | $2,756-47.1% |
| Participant deferral / active EE | $2,988 | $3,051-2.1% | $4,259-29.9% | $4,299-30.5% |
| Admin fee / account holder | $3,400 | $5,241-35.1% | $6,418-47.0% | $6,940-51.0% |