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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 | $133,111 | $73,978+79.9% | $96,515+37.9% | $75,173+77.1% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 63.95% | 26.72%+37.2pp | 35.73%+28.2pp | 160.72%-96.8pp |
| Employer contribution / active EE | $1,594 | $2,931-45.6% | $3,740-57.4% | $2,671-40.3% |
| Participant deferral / active EE | $2,642 | $3,660-27.8% | $4,880-45.8% | $4,126-36.0% |
| Admin fee / account holder | $3,112 | $5,219-40.4% | $6,735-53.8% | $5,651-44.9% |