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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 | $111,555 | $89,259+25.0% | $107,187+4.1% | $82,637+35.0% |
| Participation rate | 44.4% | 67.9%-23.5pp | 75.0%-30.6pp | 68.1%-23.6pp |
| Annual return | 18.73% | 21.02%-2.3pp | 204.55%-185.8pp | 53.51%-34.8pp |
| Employer contribution / active EE | $967 | $3,080-68.6% | $3,782-74.4% | $2,552-62.1% |
| Participant deferral / active EE | $3,186 | $4,037-21.1% | $5,096-37.5% | $4,126-22.8% |
| Admin fee / account holder | $2,398 | $7,381-67.5% | $9,162-73.8% | $7,339-67.3% |