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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 | $100,892 | $55,902+80.5% | $76,030+32.7% | $80,959+24.6% |
| Participation rate | 52.0% | 62.1%-10.1pp | 69.1%-17.1pp | 67.7%-15.7pp |
| Annual return | 13.40% | 20.59%-7.2pp | 361.54%-348.1pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,263 | $1,867-32.3% | $2,688-53.0% | $2,757-54.2% |
| Participant deferral / active EE | $3,027 | $3,051-0.8% | $4,257-28.9% | $4,300-29.6% |
| Admin fee / account holder | $3,680 | $5,239-29.8% | $6,421-42.7% | $6,925-46.9% |