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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 | $122,085 | $77,908+56.7% | $149,696-18.4% | $75,173+62.4% |
| Participation rate | 68.0% | 65.6%+2.4pp | 78.8%-10.8pp | 67.2%+0.8pp |
| Annual return | 17.68% | 31.73%-14.0pp | 134.46%-116.8pp | 160.72%-143.0pp |
| Employer contribution / active EE | $1,470 | $3,138-53.2% | $4,821-69.5% | $2,671-45.0% |
| Participant deferral / active EE | $3,688 | $3,411+8.1% | $5,682-35.1% | $4,126-10.6% |
| Admin fee / account holder | $1,257 | $5,950-78.9% | $13,212-90.5% | $5,651-77.8% |