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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 | $96,622 | $68,880+40.3% | $120,580-19.9% | $80,959+19.3% |
| Participation rate | 50.0% | 61.7%-11.7pp | 72.0%-22.0pp | 67.7%-17.7pp |
| Annual return | 11.68% | 23.68%-12.0pp | 107.48%-95.8pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,435 | $2,066-30.6% | $3,469-58.6% | $2,757-48.0% |
| Participant deferral / active EE | $2,418 | $3,191-24.2% | $4,995-51.6% | $4,300-43.8% |
| Admin fee / account holder | $19,730 | $5,785+241.1% | $9,418+109.5% | $6,925+184.9% |