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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 | $92,516 | $51,638+79.2% | $68,368+35.3% | $82,448+12.2% |
| Participation rate | 39.8% | 63.6%-23.8pp | 73.8%-34.0pp | 68.1%-28.3pp |
| Annual return | 14.35% | 37.53%-23.2pp | 292.57%-278.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,130 | $2,047-44.8% | $2,649-57.4% | $2,551-55.7% |
| Participant deferral / active EE | $2,368 | $2,914-18.7% | $4,123-42.6% | $4,139-42.8% |
| Admin fee / account holder | $6,881 | $4,643+48.2% | $5,150+33.6% | $7,234-4.9% |