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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 | $51,184+113.6% | $66,439+64.5% | $86,983+25.7% |
| Participation rate | 45.1% | 68.5%-23.4pp | 74.5%-29.4pp | 69.5%-24.5pp |
| Annual return | 13.52% | 17.07%-3.6pp | 757.66%-744.1pp | 25.83%-12.3pp |
| Employer contribution / active EE | $1,736 | $2,023-14.2% | $2,637-34.2% | $2,584-32.8% |
| Participant deferral / active EE | $3,428 | $2,927+17.1% | $3,876-11.6% | $4,194-18.3% |
| Admin fee / account holder | $15,022 | $4,154+261.6% | $6,173+143.3% | $7,856+91.2% |