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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 | $75,596 | $51,638+46.4% | $68,368+10.6% | $82,448-8.3% |
| Participation rate | 40.5% | 63.6%-23.1pp | 73.8%-33.3pp | 68.1%-27.6pp |
| Annual return | 24.44% | 37.53%-13.1pp | 292.57%-268.1pp | 41.64%-17.2pp |
| Employer contribution / active EE | $1,331 | $2,047-35.0% | $2,649-49.8% | $2,551-47.8% |
| Participant deferral / active EE | $3,640 | $2,914+24.9% | $4,123-11.7% | $4,139-12.1% |
| Admin fee / account holder | $1,327 | $4,643-71.4% | $5,150-74.2% | $7,234-81.7% |