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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 | $139,203 | $95,406+45.9% | $185,849-25.1% | $85,847+62.2% |
| Participation rate | 57.1% | 68.8%-11.6pp | 81.7%-24.6pp | 69.3%-12.2pp |
| Annual return | 35.91% | 23.59%+12.3pp | 122.10%-86.2pp | 318.61%-282.7pp |
| Employer contribution / active EE | $2,064 | $3,314-37.7% | $5,169-60.1% | $2,565-19.5% |
| Participant deferral / active EE | $3,599 | $3,424+5.1% | $5,569-35.4% | $3,952-8.9% |
| Admin fee / account holder | $1,951 | $7,214-73.0% | $16,244-88.0% | $6,261-68.8% |