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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 | $109,557 | $76,407+43.4% | $150,298-27.1% | $82,448+32.9% |
| Participation rate | 46.4% | 66.4%-20.0pp | 77.8%-31.3pp | 68.1%-21.6pp |
| Annual return | 18.27% | 39.99%-21.7pp | 62.79%-44.5pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,816 | $2,614-30.5% | $4,154-56.3% | $2,551-28.8% |
| Participant deferral / active EE | $3,345 | $3,214+4.1% | $5,453-38.7% | $4,139-19.2% |
| Admin fee / account holder | $8,773 | $6,352+38.1% | $14,116-37.8% | $7,234+21.3% |