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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 | $119,638 | $52,279+128.8% | $89,435+33.8% | $79,856+49.8% |
| Participation rate | 42.1% | 57.5%-15.4pp | 68.0%-25.9pp | 69.6%-27.5pp |
| Annual return | 26.12% | 22.16%+4.0pp | 245.55%-219.4pp | 31.71%-5.6pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,401 | $2,740-48.9% | $3,890-64.0% | $3,741-62.5% |
| Admin fee / account holder | $4,319 | $3,356+28.7% | $4,884-11.6% | $5,306-18.6% |