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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 | $93,224 | $56,060+66.3% | $76,002+22.7% | $80,874+15.3% |
| Participation rate | 49.3% | 62.0%-12.8pp | 69.1%-19.8pp | 67.6%-18.4pp |
| Annual return | 10.79% | 20.54%-9.7pp | 360.07%-349.3pp | 35.62%-24.8pp |
| Employer contribution / active EE | $1,700 | $1,873-9.3% | $2,688-36.8% | $2,756-38.3% |
| Participant deferral / active EE | $3,479 | $3,051+14.0% | $4,257-18.3% | $4,297-19.0% |
| Admin fee / account holder | $12,527 | $5,237+139.2% | $6,414+95.3% | $6,935+80.6% |