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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 | $99,502 | $63,354+57.1% | $94,105+5.7% | $82,637+20.4% |
| Participation rate | 50.0% | 63.8%-13.8pp | 71.9%-21.9pp | 68.1%-18.1pp |
| Annual return | 13.14% | 34.36%-21.2pp | 204.55%-191.4pp | 53.51%-40.4pp |
| Employer contribution / active EE | $1,684 | $1,760-4.3% | $2,504-32.8% | $2,552-34.0% |
| Participant deferral / active EE | $3,476 | $2,873+21.0% | $3,881-10.4% | $4,126-15.7% |
| Admin fee / account holder | $2,908 | $5,073-42.7% | $6,199-53.1% | $7,339-60.4% |