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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 | $108,531 | $81,358+33.4% | $155,556-30.2% | $80,959+34.1% |
| Participation rate | 43.2% | 66.3%-23.1pp | 78.2%-35.0pp | 67.7%-24.5pp |
| Annual return | 16.30% | 33.39%-17.1pp | 64.84%-48.5pp | 35.67%-19.4pp |
| Employer contribution / active EE | $2,357 | $3,106-24.1% | $4,675-49.6% | $2,757-14.5% |
| Participant deferral / active EE | $4,529 | $3,455+31.1% | $5,631-19.6% | $4,300+5.3% |
| Admin fee / account holder | $4,166 | $7,994-47.9% | $15,885-73.8% | $6,925-39.8% |