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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 | $85,408 | $65,034+31.3% | $90,970-6.1% | $79,856+7.0% |
| Participation rate | 44.4% | 61.6%-17.2pp | 69.0%-24.6pp | 69.6%-25.2pp |
| Annual return | 40.11% | 30.45%+9.7pp | 134.60%-94.5pp | 31.71%+8.4pp |
| Employer contribution / active EE | $799 | $1,247-35.9% | $2,122-62.3% | $2,471-67.7% |
| Participant deferral / active EE | $2,131 | $2,512-15.2% | $3,373-36.8% | $3,741-43.0% |
| Admin fee / account holder | $1,591 | $4,536-64.9% | $5,961-73.3% | $5,306-70.0% |