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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 | $92,704 | $65,034+42.5% | $90,970+1.9% | $79,856+16.1% |
| Participation rate | 44.2% | 61.6%-17.5pp | 69.0%-24.9pp | 69.6%-25.5pp |
| Annual return | 13.06% | 30.45%-17.4pp | 134.60%-121.5pp | 31.71%-18.7pp |
| Employer contribution / active EE | $1,301 | $1,247+4.3% | $2,122-38.7% | $2,471-47.3% |
| Participant deferral / active EE | $5,235 | $2,512+108.4% | $3,373+55.2% | $3,741+40.0% |
| Admin fee / account holder | $7,006 | $4,536+54.5% | $5,961+17.5% | $5,306+32.0% |