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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 | $55,457+97.1% | $77,361+41.3% | $94,015+16.3% |
| Participation rate | 45.1% | 69.8%-24.8pp | 75.0%-29.9pp | 70.8%-25.8pp |
| Annual return | 13.52% | 15.57%-2.1pp | 1011.54%-998.0pp | 17.84%-4.3pp |
| Employer contribution / active EE | $1,736 | $2,255-23.0% | $2,990-41.9% | $2,790-37.8% |
| Participant deferral / active EE | $3,428 | $3,069+11.7% | $3,911-12.4% | $4,249-19.3% |
| Admin fee / account holder | $15,022 | $4,334+246.6% | $5,894+154.9% | $8,951+67.8% |