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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 | $119,419 | $70,418+69.6% | $96,570+23.7% | $85,847+39.1% |
| Participation rate | 50.0% | 61.8%-11.8pp | 69.8%-19.8pp | 69.3%-19.3pp |
| Annual return | 11.72% | 18.59%-6.9pp | 37.79%-26.1pp | 318.61%-306.9pp |
| Employer contribution / active EE | $976 | $1,413-30.9% | $2,357-58.6% | $2,565-61.9% |
| Participant deferral / active EE | $2,680 | $2,894-7.4% | $3,849-30.4% | $3,952-32.2% |
| Admin fee / account holder | $1,610 | $4,995-67.8% | $6,182-74.0% | $6,261-74.3% |