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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 | $113,462 | $59,123+91.9% | $77,183+47.0% | $75,181+50.9% |
| Participation rate | 48.0% | 63.9%-15.9pp | 69.6%-21.6pp | 67.2%-19.2pp |
| Annual return | 16.46% | 26.72%-10.3pp | 37.89%-21.4pp | 160.69%-144.2pp |
| Employer contribution / active EE | $952 | $1,996-52.3% | $2,534-62.4% | $2,671-64.4% |
| Participant deferral / active EE | $2,650 | $2,999-11.6% | $3,833-30.9% | $4,126-35.8% |
| Admin fee / account holder | $16,042 | $4,776+235.9% | $5,475+193.0% | $5,650+183.9% |