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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 | $104,171 | $51,638+101.7% | $68,368+52.4% | $82,448+26.3% |
| Participation rate | 58.8% | 63.6%-4.8pp | 73.8%-14.9pp | 68.1%-9.2pp |
| Annual return | 15.21% | 37.53%-22.3pp | 292.57%-277.4pp | 41.64%-26.4pp |
| Employer contribution / active EE | $2,601 | $2,047+27.1% | $2,649-1.8% | $2,551+1.9% |
| Participant deferral / active EE | $3,667 | $2,914+25.9% | $4,123-11.0% | $4,139-11.4% |
| Admin fee / account holder | $2,647 | $4,643-43.0% | $5,150-48.6% | $7,234-63.4% |