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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 | $108,759 | $98,766+10.1% | $149,730-27.4% | $79,852+36.2% |
| Participation rate | 44.4% | 75.8%-31.3pp | 82.5%-38.0pp | 69.6%-25.2pp |
| Annual return | 19.82% | 27.43%-7.6pp | 276.70%-256.9pp | 31.72%-11.9pp |
| Employer contribution / active EE | $1,388 | $3,217-56.9% | $4,645-70.1% | $2,471-43.8% |
| Participant deferral / active EE | $4,537 | $5,681-20.1% | $6,843-33.7% | $3,740+21.3% |
| Admin fee / account holder | $3,216 | $6,052-46.9% | $9,310-65.5% | $5,306-39.4% |