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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 | $81,276+33.5% | $155,574-30.2% | $80,925+34.1% |
| Participation rate | 43.2% | 66.2%-23.1pp | 78.2%-35.0pp | 67.7%-24.5pp |
| Annual return | 16.30% | 33.36%-17.1pp | 64.87%-48.6pp | 35.65%-19.4pp |
| Employer contribution / active EE | $2,357 | $3,103-24.0% | $4,676-49.6% | $2,756-14.5% |
| Participant deferral / active EE | $4,529 | $3,453+31.2% | $5,629-19.5% | $4,299+5.4% |
| Admin fee / account holder | $4,166 | $7,993-47.9% | $15,914-73.8% | $6,940-40.0% |