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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 | $109,318 | $50,554+116.2% | $67,681+61.5% | $87,485+25.0% |
| Participation rate | 45.1% | 67.7%-22.6pp | 73.7%-28.7pp | 68.9%-23.9pp |
| Annual return | 13.52% | 17.81%-4.3pp | 590.58%-577.1pp | 26.06%-12.5pp |
| Employer contribution / active EE | $1,736 | $1,988-12.7% | $2,678-35.2% | $2,596-33.1% |
| Participant deferral / active EE | $3,428 | $2,961+15.7% | $3,976-13.8% | $4,274-19.8% |
| Admin fee / account holder | $15,022 | $4,132+263.5% | $6,100+146.3% | $7,775+93.2% |