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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 | $55,930+66.7% | $76,089+22.5% | $80,925+15.2% |
| Participation rate | 49.3% | 62.1%-12.8pp | 69.1%-19.8pp | 67.7%-18.4pp |
| Annual return | 10.79% | 20.58%-9.8pp | 360.94%-350.2pp | 35.65%-24.9pp |
| Employer contribution / active EE | $1,700 | $1,866-8.9% | $2,690-36.8% | $2,756-38.3% |
| Participant deferral / active EE | $3,479 | $3,051+14.0% | $4,259-18.3% | $4,299-19.1% |
| Admin fee / account holder | $12,527 | $5,241+139.0% | $6,418+95.2% | $6,940+80.5% |