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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 | $82,402 | $52,581+56.7% | $130,788-37.0% | $64,340+28.1% |
| Participation rate | 48.5% | 46.5%+2.0pp | 70.1%-21.6pp | 55.2%-6.7pp |
| Annual return | 15.78% | 20.39%-4.6pp | 386.44%-370.7pp | 24.14%-8.4pp |
| Employer contribution / active EE | $1,682 | $1,031+63.2% | $3,558-52.7% | $1,862-9.6% |
| Participant deferral / active EE | $3,071 | $2,200+39.6% | $4,137-25.8% | $2,980+3.1% |
| Admin fee / account holder | $2,870 | $4,583-37.4% | $6,673-57.0% | $3,703-22.5% |