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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 | $103,033 | $53,128+93.9% | $86,582+19.0% | $70,126+46.9% |
| Participation rate | 36.8% | 65.3%-28.5pp | 73.5%-36.8pp | 69.5%-32.8pp |
| Annual return | 16.04% | 27.66%-11.6pp | 965.08%-949.0pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,028 | $2,068-50.3% | $2,839-63.8% | $2,343-56.1% |
| Participant deferral / active EE | $2,132 | $2,695-20.9% | $3,609-40.9% | $3,332-36.0% |
| Admin fee / account holder | $2,022 | $3,584-43.6% | $4,904-58.8% | $4,645-56.5% |