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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 | $103,166 | $65,034+58.6% | $90,970+13.4% | $79,856+29.2% |
| Participation rate | 51.2% | 61.6%-10.5pp | 69.0%-17.9pp | 69.6%-18.5pp |
| Annual return | 15.71% | 30.45%-14.7pp | 134.60%-118.9pp | 31.71%-16.0pp |
| Employer contribution / active EE | $737 | $1,247-40.9% | $2,122-65.2% | $2,471-70.2% |
| Participant deferral / active EE | $2,039 | $2,512-18.8% | $3,373-39.6% | $3,741-45.5% |
| Admin fee / account holder | $2,308 | $4,536-49.1% | $5,961-61.3% | $5,306-56.5% |