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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 | $107,432 | $78,423+37.0% | $95,964+12.0% | $79,856+34.5% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.1%-27.1pp | 69.6%-19.6pp |
| Annual return | 11.88% | 19.37%-7.5pp | 91.64%-79.8pp | 31.71%-19.8pp |
| Employer contribution / active EE | $2,447 | $1,945+25.8% | $2,541-3.7% | $2,471-1.0% |
| Participant deferral / active EE | $5,650 | $3,440+64.2% | $4,167+35.6% | $3,741+51.1% |
| Admin fee / account holder | $6,750 | $5,622+20.1% | $6,797-0.7% | $5,306+27.2% |