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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 | $68,852+40.3% | $120,524-19.8% | $80,925+19.4% |
| Participation rate | 50.0% | 61.6%-11.6pp | 71.9%-21.9pp | 67.7%-17.7pp |
| Annual return | 11.68% | 23.67%-12.0pp | 107.36%-95.7pp | 35.65%-24.0pp |
| Employer contribution / active EE | $1,435 | $2,063-30.5% | $3,469-58.6% | $2,756-47.9% |
| Participant deferral / active EE | $2,418 | $3,187-24.1% | $4,994-51.6% | $4,299-43.8% |
| Admin fee / account holder | $19,730 | $5,781+241.3% | $9,440+109.0% | $6,940+184.3% |