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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 | $127,406 | $81,331+56.6% | $155,534-18.1% | $80,935+57.4% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 17.29% | 33.37%-16.1pp | 64.92%-47.6pp | 35.66%-18.4pp |
| Employer contribution / active EE | $2,462 | $3,105-20.7% | $4,675-47.3% | $2,757-10.7% |
| Participant deferral / active EE | $4,561 | $3,454+32.1% | $5,630-19.0% | $4,299+6.1% |
| Admin fee / account holder | $4,247 | $7,999-46.9% | $15,900-73.3% | $6,924-38.7% |