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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 | $81,262+56.8% | $155,602-18.1% | $80,911+57.5% |
| Participation rate | 50.0% | 66.2%-16.2pp | 78.2%-28.2pp | 67.6%-17.6pp |
| Annual return | 17.29% | 33.34%-16.1pp | 64.81%-47.5pp | 35.63%-18.3pp |
| Employer contribution / active EE | $2,462 | $3,102-20.6% | $4,675-47.3% | $2,756-10.7% |
| Participant deferral / active EE | $4,561 | $3,451+32.2% | $5,629-19.0% | $4,297+6.1% |
| Admin fee / account holder | $4,247 | $7,992-46.9% | $15,923-73.3% | $6,935-38.8% |