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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 | $79,294 | $58,099+36.5% | $76,872+3.2% | $75,173+5.5% |
| Participation rate | 35.8% | 63.9%-28.1pp | 69.6%-33.8pp | 67.2%-31.4pp |
| Annual return | 49.58% | 26.71%+22.9pp | 37.90%+11.7pp | 160.72%-111.1pp |
| Employer contribution / active EE | $1,243 | $1,996-37.7% | $2,533-50.9% | $2,671-53.4% |
| Participant deferral / active EE | $2,251 | $2,999-24.9% | $3,832-41.3% | $4,126-45.4% |
| Admin fee / account holder | $1,730 | $4,778-63.8% | $5,476-68.4% | $5,651-69.4% |