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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 | $104,846 | $65,034+61.2% | $90,970+15.3% | $79,856+31.3% |
| Participation rate | 48.0% | 61.6%-13.6pp | 69.0%-21.0pp | 69.6%-21.6pp |
| Annual return | 17.98% | 30.45%-12.5pp | 134.60%-116.6pp | 31.71%-13.7pp |
| Employer contribution / active EE | $1,927 | $1,247+54.5% | $2,122-9.2% | $2,471-22.0% |
| Participant deferral / active EE | $4,658 | $2,512+85.4% | $3,373+38.1% | $3,741+24.5% |
| Admin fee / account holder | $5,557 | $4,536+22.5% | $5,961-6.8% | $5,306+4.7% |